A few of my regular customers know as well. 

For the sake of time, I'm just listing the Fannie Mae rules:In Section B3-3.1-09 of the Fannie Mae Selling Guide (page 366 to be exact) the rules to employment contracts are as follows:Option 1 -- Loan Delivered After Borrower Starts Employment - this means that the lender "sells" it back to Fannie after the customer has started but the customer has not yet been on the job for a normal amount of timeThe lender must obtain an executed copy of the borrower's offer or contract for future employment and anticipated income. 

I will refer all the tradesmen that you need and a great handyman, just P.M me.Contractors are by no means have to give out free quotes although we do because of customer service and good business practices.

I also have years of experience with sales, marketing, customer service, and social science.

I’m in Philadelphia so all local guys can come to pick up without having to pay shipping.

Formica counter tops, bottom of the line HD/Lowes cabinets, laminate floor will of course be much cheaper than granite, custom cabinets, and hardwood floors.

Will require more customization on the part of your attorney and maybe slightly higher legal fees but good legal advice is more than worth the cost and you want to have it done correctly from the start. 

@Max Keller goals are to build a real estate company with a portfolio of multi-family and commercial properties under a mgmt company (preferably one I create), and to build developments and custom homes with a partnering contracting company. 

We have found great deals on Amazon or eBay though and just get fast shipping. 

Start allowing commercial activity and you end up on a road you probably didn't want to be on - customers visiting the property; activities that aren't compatible with residential homes going on inside; harder use of your property; ETC.