@Kyle Klineall great questions and this is the challenge right now with both prices and rates high. 

But if an old carpet needs to be replaced, that shouldn't come out of her SD.Or it could be pro-rated. 

Rental rates for a 4BR in Rosemary Beach are going to be different than a 4BR in Santa Rosa.   

Factors such as rising interest rates and an influx of new apartment units have contributed to challenging conditions.

Every single time you let a day laborer set their hourly rate, you can be damned sure it'll take them all day.  

@Dominique Guinnane - Comparing a permanent rate buy down (standard rate buydown) vs a temporary buydown are two different scenarios. 

With interest rates today and the lower than many markets rent that I am able to charge due to location I can’t cash out my equity on most of my properties.

The longer the pre-payment penalty you select, the better your rate will be.

In addition, I think you are assuming a general contractor will extend credit to a borrower which isn't' always the case. in columbus we build and make everyone self fund a 30k retainer account in a escrow that they have control over because we build new construction multifamily at a discount and won't extend credit to anyone 

Most work like this: Rates: 9% to 13% (Most Deals are 11-12%)Terms: up to 36 Months (Most Deals are 6-12 months)Fees: 2-4 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $250,000 $2,500 minimum fee)Max Loan: 65%-70% of After Repair Value(ARV)100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 2 Weeks)NO PRIMARY RESIDENCES, NON-OWNER OCCUPIED ONLY, BUSINESS AND COMMERCIAL USE ONLY.