I also think a lot of banks' views are still colored by their experience in the crash (and rightfully so).  

That stuff gets in the ducts and leaves behinds dangerous chemical compounds .

I’ll post a picture of a slab that cost $500 and $1100 to cut - this was enough for a kitchen and 2 bathrooms.Same $500 slab in another kitchen:Also, as you can see, for rentals, I’m a fan of darker colored cabinets. 

@Joseph Konney: The upper unit the guy I bought it from had started the work already, so there was little to do  besides paint and finish bathroom floor paint and light fixtures and same with Kitchen and 1 cabinet and I repainted because the color he had was awful.

Ended making the deal not feasible for me.I terminated the deal because I believe in providing a sound home to live in and not just a shack held together by duct tape just to milk a few bucks out and move on...not that you are doing this, just saying that's how i look at this. 

I currently have a 2 unit on oil heat, 1 thermostat, shared ducts, so I have to foot the entire bill and it's killing my revenue in the winter, costing $1000 some months.I've looked into converting to gas and into installing electric baseboard heaters.

I just had a furnace put in a one bedroom, and that cost me around $2000 installed with all new duct work throughout, but it was a buddy who did it...

It's in what's called an "Opportunity Zone" in Tampa, so the neighborhood has its colorful characters.

Here is the horror of this:We were set to close 11/20/2018 (45-days from contract)...the appraiser came out around a week prior to walk-thru the unoccupied unit to get things moving...good deal...it passes with flying colors and he moves to the outside…no mention of any issues and he gets comps in order…the contract price is good based on comps, so we just need to walk through the occupied unit then we’re clear to close..He gets to the occupied unit...and he notices a small bit of water on the basement floor near the furnace (Image attached)...maybe the condensate line is dripping a bit, no big deal, we’ve already agreed to a $3,000 post inspection concession for repairs, so the buyers can fix this...the next day the lender decides there is peeling paint around some of the windows...three days prior to close...not in the appraisers report!...

To save costs, we try not to stage rooms that are obvious (ex. bedrooms other than the master) but the living spaces or odd rooms, and color/feeling items in the bathroom and kitchen always get done.