I've been using Stessa App to track my expenses for a couple of years now.

The old backsplash looks good and all the colors worked together.

Plus even if title squeaky clean, most title companies will require that you hold it for a year before they will insure a subsequent transfer.Caveat emptor.

Review the contract for terms and procedure for default, if any are written.8- Keep a copy of their refusal to complete the work as Contractor Default, keep the final $5k as contractor default.9- Pay the new contractor to fish the job, let the Old contractor deal with trying to get the last 5k from small claims court, which they will likely fail to achieve.PS yes I blew past “what if permits are not signed off as complete” thats a PITA of its own thread.

However, if circumstances do indeed change over the course of the loan, there shouldn't be a penalty involved if you move into the property down the line for unforseen / unintended reasons (such as maybe in a couple of years there is a family emergency requiring a need to temporarily move into one of your rental properties etc)

The time to build new might take you a year or likely more.

@Marquez DavisNear impossible as hard money is for a year: what is your exit strategy ?

My wife and I are amateur property investors, and over the next year, we're aiming to get more serious by purchasing several small multi-family properties.

@Maria Putnam my focus has been tax sale for 20 years.

Literally got into RE while at a family BBQ about 15 years ago.