You are missing a lot of steps and costs and forecasting of obstacles.I've been through the BRRRR 100+ times with clients. 

Most lenders, including us, consider both ARV and Cost.

I'd like to free up some cash so that I'm ready to close on the next great real estate deal that I track down. 

This covers the purchase price of the property, any required down payment, the cost of the renovations, and any other costs like holding and closing fees.

I suspect a pad for a vehicle can be provided at fairly low cost (it could use gravel instead of hardscape).To compound the parking issues, the city has been taking away parking spots for dedicated bike lanes.  

My goal is to support your growth as an investor by offering competitive terms and a streamlined process so you can focus on what you do best—making smart real estate investments.If you have a project in mind or just want to discuss your options, feel free to reach out.

This would in-turn increase the building value.I have identified total costs and time for this potential change, and was curious what resources or anecdotes you may have to analyze the cost of the zoning change vs the residual outcome and lift in value driven by an increased buyer pool.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

But also weigh the alternative of how costly the prepayment penalty is.  

There's still ways you could get away with it at a higher confidence level but it's not 100% fool proof.See news for more on Marley: https://www.wtsp.com/article/news/local/pinellascounty/st-pe...Feel free to DM if you have further questions.