., renovations, repairs, etc.).Rough Budget: An idea of what you’re looking to spend, even if it’s just a ballpark figure.Timeline: Your desired start and completion dates.Photos or Plans: If applicable, pictures of the area needing work or any design plans you might have.Specific Questions: Any key details you need clarification on, like permits or material recommendations.These will help the contractors provide accurate bids and make the process much easier for you.

I wont need to spend that money now.   

To the nuts and bolt question of what defines occupancy, it is the place you reside and spend the majority of your time/nights.

I'm looking for someone is willing to spend time with me and maybe teach/talk/travel around the city some.

Example - borrower uses loan to purchase a home in a B or C grade neighborhood for 380k, spends 50k rehabbing primary home, uses 200k to put an ADU in the back, appraisal comes back at 925k. 

you are going up against people and companies that spend thousands or even tens of thousands of dollars a month in marketing. 

Acquiring clients - You need to spend money and a lot of it typically.

You can spend as little as $100 to form an LLC, or you could use an attorney and spend $1,000 or more.

Only spend 2 hours on it.  

Better to spend $60-80k for a conversion than over 120k.