NEW TILE BACKSPLASH, NEW OIL BRONZE RUB PLUMBING, HARDWARE, & LIGHTING PACKAGE, BATHS HAVE NEW GORGEOUS TILE SHOWER W/ STONE PEBBLES, NEW TOILETS, NEW FRAMED MIRRORS, NEW VANITY W/ GLAZED CAB.

NEW TILE BACKSPLASH, NEW OIL BRONZE RUB PLUMBING, HARDWARE, & LIGHTING PACKAGE, BATHS HAVE NEW GORGEOUS TILE SHOWER W/ STONE PEBBLES, NEW TOILETS, NEW FRAMED MIRRORS, NEW VANITY W/ GLAZED CAB.

TONS OF UPGRADES, GRANITE, CUSTOM CABINETS, CORBELS, STAINLESS STEEL APP PACKAGE W/ FRIDGE, HEAVY CROWN MOULDING, DBL SINK IN KITCHEN,9 FT SMOOTH CEILINGS THROUGHOUT, CERAMIC TILE WET AREAS, OIL RUBBED BRONZE FIXTURES & HARDWARE, WAINSCOTING, GAS LOGS FIREPLACE IN GREAT ROOM, 5 INCH HAND SCRAPED HARDWOOD FLOORING, COVERED FRONT PORCH W/ CRAFTSMAN COLUMNS & LARGE COVERED PATIO,OUTDOOR FIRE PIT & STAMPED CONCRETE ON PATIO, ARCHITECTURAL SHINGLES, MOSAIC GLASS TILE BACK SPLASH & TILED GARDEN TUB.

Though my guess is online banks only do bench top. also know that banks almost universally want heloc appraisals to be conservative due to the nature of the debt (revolving) 

@Simon Stahl First, you did not quote Paragraph 6 of Regulation D of Rule 501 correctly: "Any natural person who had an individual income in excess of $200,000 in each of the two most recent years or joint income with that person's spouse in excess of $300,000 in each of those years and has a reasonable expectation of reaching the same income level in the current year;"If you make $220k per year, for the last 2 years, and you marry someone with no income, that does not mean that you are NOT accredited now.

It also limits their ability to accurately represent the true nature of the risk and rewards to investors. 

The investors doing a very large portion of the deals are professional in nature leaving lower risk of default or collapse. 

Naturally, I had to work with a real estate agent and someone that took care of my financing.

Laminates are man-made planks that are arranged to look like the natural hardwoods.

I work in the oil field as a pumper.