It's hard enough these days getting a loan when your credit is great and you are sitting on piles of cash.When a bunch of foreclosures happened 3 to 5 years ago the investors on Wall Street where loans were sold off to took heavy losses.

There are other things like CMBS loans have early pre-pay penalties because the rate and term is guaranteed to the buyers on Wall Street when they sell off the loan in slices.

So, here's the scenario; you have no money (100 dollars monthly) no credit, and your back is against the wall financially!

Walls have holes and poorly done plaster repairs, doors are missing door knobs, lights are missing fixtures, and some faucets are missing knobs.  

If I had to guess...there was a wall there originally, and that's why the outlet is on that island.  

Here is the description of work.tenant has moved out, please change locks and get make ready estimate We have a estimate that come in at 5743.67 and included material and labor Replace lock and secured unit Remove garbage leftover in the unit by prior tenant Remove nail and decal from wall and ceiling Prep , patch, and finish large hole in the living room , stairs case and bedroom walls Prep and paint entire unit Remove and replace damage and stained carpet on the living room, dining room, 3 bedrooms , hallway and stairs tread Replace broken outlet,switch and plate cover install missing carbon monoxide and smoker detector Repair kitchen cabinet clean entire unit Note: this estimate those not include a C/O ,section 8 or lead swipe and all unforeseen , alteration and deviation from above specifications involving extra costs will be executed only upon written orders, and will become an extra charge.

Bathroom and kitchen dirty, and a large "repaired" hole in the living room wall.

Wall Street is capitalizing on MSR's (Mortgage Servicing Rights) right now and has been for the past few years.

We are planning on the following materials:floors - use tile and commercial vinyl (plank or sheet);walls - velvet kitchen & bath paint (cleans easier) with either a tile base or wall base in lieu of baseboards;HVAC - extra filters on all ventilation ducts - I've cleaned cat out of a ventilator before ... not fun.On units where we have allowed pets in the past, we have required the tenant to carry a pet damage rider on their tenants insurance with us as the named payee.  

What grade & sheen paint do you use for walls?