The basement is open with a full bath (we recently added during a sewer upgrade); the 1st level contains the kitchen, living, dining, and mud rooms; the 2nd level contains two beds and one full bath; the third level contains two full bedrooms (a large, nicely converted attic). 

If they did it faster would he give you a refund?

I find very few truly wealthy individuals would deal at the street level.. 

At a minimum, you will need to address all potential points of entry, such as egress and ground level windows. 

I appreciate your level headed response.

So the bank can lend to whomever they want and that includes people with "different" income levels. 

Maybe I'm being optimistic but I can't find any reason our house won't be worth 280K+ with the 20k in updates (we've already knocked out walls and done some cosmetics in the main level- what we're after now is hardwood floors and bathrooms). 

Why not keep the job and sock away 90% of that income to scale into some properties faster?

My first time attending was Wednesday night and there was a great mix of investors and lenders from different backgrounds and experience levels.

You want to stack your lists so you have more than one level of motivation and then you have to skip trace the lists to get back the most current information for those people.