For instance, they charge $25 to change a light bulb.

I have a few questions:Would you recommend using a traditional mortgage or taking advantage of this line of credit? 

If on the other-hand, you use traditional syndication methods, To raise capital on a deal this size. 

My wife and I are in a unique situation and I am posting in hopes that ya'll could help shed some light on this.My wife's father bought a home back sometime in 2010-ish and lived there up until 2018.

I'm VERY green when it comes to borrowing money, buying real estate, renovating, etc. so I feel a bit safer going with a more traditional loan vs hard money loan..  

You probably won't get basics like lumber, but you can get tile, flooring, lights, faucets at a discount.

That number was traditionally at 10% to 14%, so in many cases banks have had to reduce that type of lending by a full 50%.Pile on top of that the fact that in the mortgage biz, revenue comes from the loan sizes, while expenses come from the number of loans.

Two of the nicest things you can do to any home are 1) open up the space, take down or put a pass-through in the kitchen wall 2) Get a new stone countertop and appliances for the kitchen, maybe a trick sink and under-cabinet lighting?

As far as your IRA goes, a withdrawal from a traditional IRA will cost you a 10% penalty plus taxes. 

I’m looking for lights that are energy efficient, so maybe motion sensor and that aren’t an eyesore