Have not had a 'issue' selling in the past five years..I would say the additional development cost of an extra bedroom/bathroom are probably well worth it in the long run..Good luck. 

But I guess a lot of you seem to think that extra cost is negligible if I am refinancing anyway.

Make clear plans, use no-cost tools, study areas, spot deals, and move forward.

(Loan to Cost) Can you find a private guy to lend you high LTV for short term?

He is also using a HELOC to pay for the turnover costs of losing his long term tenant and making it rent ready.  

@Victor HongEven if you have had multiple claims, the state will provide insurance but the cost is going to be astronomical Why can you not get insurance ?

Moreover, the typical listed home price has grown by 37.5% compared with May 2019, but the price per square foot grew by 52.7%.While the typical home for sale is listed at a similar price to last year, higher mortgage rates compared with last May still increased the monthly cost of financing 80% of the median home by roughly $158 (7.1%) compared with a year ago.

That cost about $400K from our proceeds.

The purchase price was 395k and furnishings cost about 20k.

One must accept the fact that there will be mistakes, there will be cost paid, but in the long run, as long as one doesn't quit, and try to improve on the process every day, one will get better.