Only expecting $2500) Total Renovation Price: $90,000 (over by $10k expected)Cash Flow/Month: $1200 (Inlaws refinanced loan creating a higher monthly cost, still gave us a healthy cash flow)COC Return: 13%Jan 2022 - closing on refi any day to pull out capital.

Only expecting $2500) Total Renovation Price: $90,000 (over by $10k expected)Cash Flow/Month: $1200 (Inlaws refinanced loan creating a higher monthly cost, still gave us a healthy cash flow)COC Return: 13%Jan 2022 - closing on refi any day to pull out capital.

Plus, I would have skin in the game which could help build credibility. 

She has another 401k with her current employer and I have a healthy one myself, so we still have plenty being invested. 

However, when anyone says 'my way' is the only good way and everything else is vastly inferior -- that's ego, not healthy advice. 

We are hoping to to use 100% funding for project and construction ( interest payments up front is the skin in the game).

Give them skin in the game. 

I run a fractional CFO company that helps companies build healthy businesses and achieve their goals. 

Essentially you are putting more than just the subject property "on the line" for the loan - but that healthy equity buffer will help with no having or needing liquid downpayment for acquisition.

The problem is that you have decided to get into a business that gets under your skin.