@Abiy Tedla I have mostly gone with white cabinets with black hardware on the same as is the market trend currentlyPersonally, I'm a fan of staining cabinets more so than painting since it lasts a lot longer and is more durable (plus I think it looks nicer than painted cabinets too) Additionally, using stainless steel appliances and under-mount sinks definitely adds to the oomph factor of the property even though they aren't much more expensive than their counterparts

Asset based lenders / lender to lender financing (those who provide financing to companies for equipment, operations, etc.

I won’t be looking to re fi those anytime soon because my interest rates are so low with them but when I do my current lender has said they will be limiting how much they will lend based on the properties tax returns. 

You denied them based on the information on their application. 

It has cash flow of only about $200-$300.00 a month right now, however May-October I expect cash flow mo. to be about $900.00-$1200 mo. this is just based on AirDNA which we know is not very accurate.Again, im looking for any scenarios that you all could come up with for me that I could present to my builder/friend, that would be equitable for both of us if we entereed a partnership or JV.Thak you in advance!

Hey Chris, my partner is actually based out of Reno, NV.

I'm not a huge fan.

So sustained maintenance should not be your concern, your concern should be on how fast you can recover the initial cost of the hot tub, the maintenance is not the issue.Argument #2 Seems like this is based out of fear and the unknown.  

I'm sure my cash flow could vary based on the loan I would receive since I could use a first time home buyer loan but lets assume that I use a 30 year fixed FHA mortgage at 7%. 

If you're looking to build your own, you also should build your own comp base.