I figure  any lender is going to want to see  experience or barring that at least   my own skin in the game in proportion to the loan.

If you still wanna do the project you can, but that extra 20k is on you so your skin in the game goes up.Bank's are doing this on purpose. 

Some will even baiil on the loan and not fund leaving you high and dry especially if purchase money. 

Does anyone have a dry pass through double closing title company in Colorado that they’ve worked with recently which does dry double closing, meaning C buyer funds A seller and B keeps proceeds?

In general if a property has been around that long it probably has “good bones”, but on the other hand it could have been a mining or factory workers home thrown together quickly and only meant to last a few years that has somehow made it the distance, by the skin of its teeth.

They are heavy thread count so they are comfortable, but they take forever to dry.

The water is hitting and damaging the dry wall, which he says he can easily replace.Whoever did the tile did an amateur job.

.: COVID money is drying up, so I anticipate we'll see a lot more evictions in the next year as Landlords finally get tired of waiting. 

There are many ways to skin a cat.

However; this is just another sign that we are moving into uncertain times and that funding can dry up from banks, even ones that you have worked with in the past.