Hard money lenders are requiring more "skin in the game" and charging 3-5 points at closing along with 8-15% APR! 

It's a 6.9% return for 6 months, no bad, but the other party having no skin in the game mean you need an outsized return as well as being on the hook for unknown expenses. 

We touched just about every surface of the interior.

Here's what the inspector said:Major Repair "The shingles have heavy wear consisting of heavy loss of mineral surface granules resulting in areas with none left and heavy wear along the edges of the tabs.

I’m sure it’ll surface.

On the surface they appear to meet my requirements.....except for the credit...they have none, the response came back as N/A!

Hi @Donald ShaverWith any commercial endeavor, a bank would generally prefer you to have some skin in the game. 

The only way you can develop that tough skin is to experience the hardship yourself.

Debating materials still, there is not much surface area so even granite wouldn't be too expensive.Extend breakfast barPaint cabinetry and replace some of the hardwareMight get new some of the prefabbed cabinetry recommended in one of the podcasts (don't remember which...have it bookmarked on my app).

The other day I was watching this classic with my wife, and remarked, "Sure, Potter is kind of an ***, but is in a real tough position in light of the economy, and has to have a thick skin."