Being your own builder is awesome--- maybe you can work the numbers to build 8-10 of them and get a couple on the tail end free and clear?

Set the expectations upfront and, as Jeff mentioned above, have them clearly laid out in the docs to minimize the potential for conflict in the future.  

If you can demonstrate a clear plan via a scope of work, contractors bids, and budget and give a compelling argument for an ARV which would allow for the loan to be repaid then you can get a Hard Money Loan.  

That being said, most reo’s are sold clear of liens, and with title insurance.

Second this electrical company has already fixed this issue in my yard a few years ago so this “might” be warranty work because their first splice may have gone bad.So, I have given them permission to do the work, and made it clear that I expect the patio to be made to look like it does now after the work is completed.But my nervousness kick in because of the company pays to remove the decking, digs up the splice, and determines that it’s a different problem and not warranty work, now it’s my neighbor who is on the hook, and responsible to pay the bill of repair, and responsible to get my patio put back together.This seems like it could go very wrong......Should I get a contract written and signed by all parties to protect myself?

We maxed out at 10 personal loans, with one title that is free and clear.

Well that’s when the bank came and cleared everything out.

The due dates, and late fees are clearly spelled out. 

If so, and HVAC and ductwork clearly is not listed, then I don't think they have much of a say.

The feedback seems clear - lines with spot #'s will help the issue.