Is it really water resistant for a bathroom or a kitchen?

You should have a window of time to shop now though without damaging your credit score.

@AJ SmithFHA is a govt backed program intended to promote home ownership for lower income and people w/ bad credit.Pros: slightly lower down payment, can qualify with lower credit score, generally better ratesCons: PMI forever, longer closing (45 days usually), may require small things like a broken window to be fixed for the bank to move forward with the loanConventionalPros: PMI only until LTV reaches roughly 80% (I think it's 78%?)

Not all sq ft in a house costs the same.Go to your local building supplier, go up and down the isles, and get actual prices for material for kitchens, cabinets and countertops, floors, paint, basic lumber and trims, plumbing fixtures, electrical fixtures. etc...You usually can get estimates on labor from that same source. 

It’s a living room, dining room, eat in kitchen, bathroom with a stand up shower and then front and rear porches with an enclosed semi private small yard on the ground level, and then 3 bedrooms, a full bathroom and a pretty big walk in hallway closet on the 2nd floor.

The kitchen is super modern now and probably the nicest part.

Yep, new plumbing, new wiring, modern kitchen ... but original footprint, wood siding and hardwoods — Give and take with the new and old. 

Sometimes its as simple as replacing a boring light fixture in a kitchen, adding a programmable thermostat, or removing troublesome landscaping. 

Price - 235,000 - 3% from seller towards closingProperty Type - Multi FamilyYear Built - 1949Units - 4 unitsBed/Bath- 2 bed/1 bath per unitSqft - 500 per unit - 2000 totalRecent capital improvements-- 2018Unit 3: New fridge, window, vanity and toilet- 2017Unit 1: New deck, AC, washer and dryer, baseboard heaters,kitchen faucetUnit 2: New deck, AC, window, baseboard heatersUnit 3: New paint, carpet, trim, fixtures, baseboard heatersUpdated landscaping- 2016Unit 2: New fridge, stove, toilet, vanity, tiled shower, paintcarpet, trim, fixturesUnit 4: New tile flooring, bathroom sink faucet, kitchenfaucet, paint, trim, baseboard heaters, AC and fixturesNew roofHow I will be funding it?

Local advice would be greatly appreciated.Side note: I need recommendations on a good local kitchen remodel company/contractor.