I re-posted in "Classifieds" and tried to remove my post in "Starting Out," but I didn't see a way to take it down.

At this property the dues include water, waste, outside maintenance (lawn, roof, paint, stucco, deck, gutters, snow removal etc).

$5,000 - remove wall$1,000 - paint kitchen cabinets$3,000 - paint $1,000 - remove paneling, repair drywall$1,000 - new light fixtures and bathroom fixtures$2,000 - new countertops$2,000 - new appliances$6,000 - new flooring (laminate, carpet, tile)$1,000 - new garage door$1,000- paint siding$3,000 - contingencyTOTAL Rehab - $31,000Those are just things that are obvious from the pictures.

Paint, curb appeal (especially landscaping), repairing/replacing anything that is broken or that smacks of being ridiculously obnoxious or outdated, deep clean and declutter, remove anything that is too personalized for others to envision the house being their own (if you are listing/showing the house).Next up: new "stuff that you touch": door knobs, light switches, faucets/fixtures, etc.

Using HML takes a lot more risk but if you plan correctly with a lender who sets you up for success it can greatly reduce your risk of removing that HML to FHA (higher chance of success and realizing your cashflow and equity goals).

I was trying to be PC when posting above about lack of controls and refrained from naming the country of manufacture.Frank Germaine Can you remove the spotting and residue with a cleaner like Windex or even pure ammonia?

So I went to another lender and he informed me my previous lender should had removed the loans I was paying off with the refi before submitting it to the underwriting system to bring my debt to income ratio down.

We work on garage conversion and new construction ADUs, and we see a lot of these detached 2+2 car garages behind multiunit buildings.They are almost always in pretty bad shape structurally -- footings aren't deep enough, roof framing is too small and too widely spaces, roof framing is running side-to-side rather than front-to-back (so we have to put beams in and additional footings in when we remove portions of the walls that separate parking bays), ceiling height is too low, etc.

Wondering if its possible to just removed my partner from the loan so I would be the only one on it. 

However, on the first increase with these people, I'd consider keeping as many as you want on a monthly, even if they aren't paying that monthly premium because you really don't actually know them yet, and you might want to have the ability to remove them in 30 days if you wanted, versus being locked in with a bunch of someone else's tenants.The last, perhaps main, consideration would be to make sure you're not eliminating all your cash flow if everyone was mad at your increase.