I use Greg Sanders of Rightway Insurance.

What your 'partner' is proposing isn't realistic nor professional - nor warrants 20%. 

Is she proposing anything?

I do not represent buyers and sellers so the added fees of NAR membership is not worthwhile to me right now.To get this thread back on course, the only thing I can find right now is this from the VA State Corporation Commission website: "A result that a proposed name is distinguishable is not the equivalent of a determination that it is acceptable.

Here is one proposal with taking 100% bonus depreciation this year in a 35% tax rate, ~33% effective rate.

Also, the 203k Consultant can help you to make certain the contractor pricing and proposal is as accurate and complete as possible, includes all necessary items and can help to be another set of eyes and ears for your project.

And for me, the biggest lesson to takeaway is if someone is proposing an unusual arrangement, there is usually a reason why and to be wary.

So you don't need a specific lender for what you propose.

You will need a detailed renovation list / budget to determine the ARV as is it based on the proposed renovations. 

I just saw some huge development proposed for the old plant and on the river front.