Hi Jorge,Nice place to start with and I hope you continue to have a strong success with more homes.One questions I do have, is there more expenses that are not itemized?

Definitely not pics that could be matched to the line items that they told me they were fixing, but enough to show that some work has definitely been done.

If the bank is aware of a full pay, they may postpone, this will take reaching the right people with the right items at the mortgage servicer.

Meanwhile, you will pay a very high price eroding whatever profit you expected or worse...going into negative losses as ongoing delays caused by Sherman Bridge Lending force you to pay spiked interest rates for an extended period of time leaving you at their mercy as they control your refi by threatening high fees as a penalty for seeking refi elsewhere.

However, is an extra 4% gain per year, on 150K (6K per year) really worth the loss of control?

The problem with that is most likely you'd be doing so at a loss.  

Unless you are getting these energy saving items ( new windows, LED lightbulbs, high effiecency furnace) for a significantly reduced price or for free then I would pass on this program.

There's nothing wrong with risk if you have the cash reserves to support a few losses, but when you're just starting out, I'd strongly recommend finding a property with less risk.  

@Bernie HuckesteinHere are some items to be aware of when incorporating debt financing.1.

There are just so many podcasts and items to read.