My four months were spent in a dirty little campaign to try to uncover everything he screwed up, from a complex sewage leak in the slab to a soilstack busted in three places to a live 240V wire taped and left open, outside a junction box, in the basement joists.

With a straight Bank loan, it's the same as having a partner except they get paid first regardless of if the roof leaks.

In the world of mobile/modular homes, tub and surround alone are 40-50 hours for removal and replacement of non window 5 piece acrylic  surround and tub. price for materials in 2017 about 300 each tub, and quality surround. plumbing will change slightly, size will change slightly. by the time it needs a tub, it leaked!

The larger the disparity between what you have coming in versus what is going out can exponentially reduce your financial leaks (loss of your money to interest etc) then you in turn take these accumulated savings (through your line of credit) and purchase more passive cashflow assets and rinse and repeat till you reach desired results.

Giant shoe box of receipts, I did see an app for i phone that scans and converts to pdf file.

A crawl space with disconnected ductwork, mold growing on floor joists, leaking pipes, etc.

Estimated renno/appliance costs: 2x bedrooms LVP: $2.5K ($5/ft2 installed guestimate over 2br @ ~200ft2 each + $500 in noise treatment) 2x bedroom low-profile ceiling fans w/lights : $800 ($250 labor + 150 fan 2x based on extra effort to locate mounting boxes, assuming they exist)1x new shower/tub prefab insert: $3.5K installed (guesstimate) 1x new toilet $400 ($250 standard 1-piece + $150 labor)2x shower-head upgrades: $100100% repaint : $5.2K (1600ft2 x $3.23 ft/2) may opt to do myself100A breaker panel complete replacement & upgrade to 4-prong 220V dryer connection on other side of wall: $2k (guestimate, original panel is still present and 100% not staying)Non-ancient washing machine: $750LED light upgrades/replacements: $100Kitchen cabinet touch-up + hardware + adjustments: $500 (guesstimate)Outdoor storage room rehab (mold remediation, drywall gut + replace, leak repairs): $3K (total guess, it's like a 6x8 Outdoor patio concrete pad & rail cleaning: $50 Microwave: free =) Lock replacements: $350 (schlagre encode + basic patio lock change) Keurig Coffee Maker: $150Kitchen pots, pans, bakeware, utensils, cups, plates: $300 + donating my spare setsMisc electrical work: $500 (replace light fixture, fix outlet(s), re-wire light switch)RENNOVATION TOTAL: $22.2K or $27.5K with contingencyFurniture, linens, supplies: 2x queen bedframe & box springs: $5002x queen mattress: $800 2x XL twin bedframe & box springs: $5502x XL twin mattress: $5506x nightstands: $7502 full size, 2 half size dressers: $500Mattress covers: $1006 queen pillows, 4x XL twin pillows (1 spare 'set' for each mattress): $180Bed sheets x 4 each mattress: $300Bathroom linens: $200 (16 wash cloth, 8 hand towel, 8 regular towel, 8 washable floor mat) Metal outdoor patio furniture: $2003-piece couch set: $70050"+ TV w/ install: $600Kitchen table + 4 chairs: $400Misc crap (soap dispensers, wifi router, wifi thermostat, cleaning supplies, doormats, artwork, mirrors, lamps, air freshers, air filters, TP, etc.): $1000  FURNITURE TOTAL: $7,280 or $10K with contingencyOther thoughts:Kitchen cabinets have already been painted/hardware upgraded poorly.

They also typically have certain reps and warranties built in that have to be true for you to be obligated to close, like the major systems are in good operable condition, the roof is not leaking, there is no mold or lead paint, no high levels of radon, etc.

I have water leaking into the basement of my duplex .

If you stop the draughts and leaks and wrap the living space in a warm blanket, there is little "regret" associated with the heating system.