Now clients would want level 5 wall finish (smooth surface vs textured) which takes 3-4 times longer; paint would have to be super sharp on color transitions (1 coat primer, at least 2 top coats); all baseboard and trim work & paint have to be perfect: no brush mark, no visible nail holes etc;  and all everything else in between.So my point is: beside using your elbow grease to gain sweet equity, pricing is subjective to quality

It has taken some thick skin and a complete disassociation from reality though to get through the stress of limited reserves but I’m back!

Talk about having skin in the game. 

Smoke rises & popcorn ceiling texture is very porous. 

The noncreditted offerings are almost universally much more expensive, have a lot less variety to choose from, and many times have almost no skin in the game from the sponsor.Thankfully there are more and more nonaccredited offerings coming out and the competition is starting to force them to reduce fees.

This means using rough sand paper to give the wall a texture for adhesion. 

Excellent pull together of interior and exterior colors and textures!!

This was the same math done when you purchased the triplex, if you purchased it as an owner occ and used the rental income to help qualify.3) If you want a rational reason why non-owner occ math is more generous than owner occ, consider that non owner occupants have to put big fat down payments down, and have more skin in the game generally. 4) Rental income (anything about it) is frequently overlayed. 

Or would it be better to show my "skin in the game?"

I don't mind a nice looking laminate as the high definition colors and textures look pretty good.