. - We decided to put extra shelving in the pantry/mud room area...our sub is doing this for an extra $500.2.

I've never refinanced so please bear with me.I have 2 properties that I househack (I only live in one of them househacking, and room to room renting in the other) through traditional loans and have been househacking for several years.

1099 income is self employment, meaning your claimed income will be ignored by any traditional mortgage lender (no, issuing yourself paystubs or showing bank statements will not work), and we are forced to just go off of what your tax returns say.

I always primer drywall and especially the mud joints.

This purchase will be thru traditional method and conventional loan since this will be a family home for us initially...

Up here smooth walls and ceilings are preferred (after the hideousness of the 70s and 80s).In our units we use flat white on ceilings and eggshell on walls with the exception of kitchens, bathrooms and high traffic areas (such as mud rooms) where we will use a velvet sheen on the wall (easier to clean, but not shiny).For "modern" trim we use "perl" as it is not as shiny as semi-gloss.  

Then, it seems typically that after a seasoning period (6-12 months typically from what I have read), the investor can then refinance with a typical 30 yr fixed rate mortgage from a traditional lender at typically around 75% of the new appraised value (hopefully more than the HML that was borrowed).

We also can't do it if the reason you took out the hard money is because you do not qualify for a traditional mortgage.

I am a recent college graduate with several part time/seasonal jobs and not a full time salary which makes it tough to get a traditional bank loan and also have just some, but not a ton of money saved. 

I'm interested in learning more about crowd funding to replace traditional community bank financing for new properties.