The cold season is so short but there is a minimum payment all the other months.

As far as funds for repairs/emergencies, I take a safety in numbers approach to it.

I think having a partner or mentor who really is invested in your success is so important.

As far as credit goes, one borrower can hurt the approval by having a low score. 

Hi Victoria,All of those individuals could hold the solution to your problem but may not necessarily offer budget friendly options as they have their own additional fees for such service.I would suggest speaking with a Carpenter or General Contractor who specializes in Kitchens and Baths as they can assist with the design and execution of the project.As far as some options that you have (without seeing you kitchen) you can refinish the cabinets to update the color, replace the cabinet doors to a modern style, or update the counter top and backsplash.

As far as advertising though why do you want to use only 1 site. 

PenFed was able to get me double what Space Coast was able to as far as total line of credit, this is the main reason I went with them.

You should ensure each partner will have some sort of "role" in the deal if you want to maintain a JV structure.As far as partnership structure, there's no one right way to get it done.

As far as inflation, taking out a loan is actually a good hedge against inflation.

I think what Ted Hendry stated about having written policies and following them is so true.