In one year my net worth would be $100k + $16k + $10k - $3k = $123k.Clearly there will be other expenses, and there is always an element of risk when taking debt finance but as investors it is one of our jobs to mitigate these risks by buying well.

Each tiny home is 64-square-feet, with heating and air-conditioning, two beds, windows, a small desk, and a locking front door.

Until they experienced that first winter and found out the cost for repairs on heating units and roofs (capex) were eating all their profits and some. 

It is doubtful her furnace works (vents/returns all blocked) so she is using heating sources that greatly increase fire risks in a home stuffed full of Firestarter in those trash bags. 

So even elements that don’t appear damaged can be contaminated.

All rooms have baseboards so I assume you have hydronic heat??? 

I buy ready to assemble cabinets, vinyl plank flooring, I prefer shower enclosures but at minimum use a tub for savings, and for HVAC I prefer mini splits for heating and AC.A lot of this is market dependent.

That included things like new windows, all the lipstick stuff, some roof repairs and electrical panel replacements - but not anything like foundation repairs, heating system replacements, or major demo / construction.

Check the mechanical and structural areas for the home including heating and air conditioning unit, hot water heater, roof, etc. 

I have good credit score just not sure I know if I just start doing applications it will put hard inquiries on my credit report so I want to go to the best option first would appreciate any advice and since I just did a heat lock is there a time frame I need to wait before I put in application for my loan for the investment property thanks for any and all help