You SHOULD care.I owned some businesses when I was your age.I had a car audio shop.The key to any business is that you are passionate about it.If you aren't passionate about it you will not get the stellar results you are seeking.For most businesses 20,000 is not that much for start up.The number one reason for business failure is under capitalization followed by mismanagement a close second.There is a difference between working IN your business and ON your business.Many small businesses such as restaurants,coin laundry,etc. are owner operators.Meaning they make it run day to day but it is not scalable since YOU can only be in one place at one time.Smart operators learn how to scale the business by putting systems and people in place.By doing this you can grow your business and work on it and not in it.

Check the various labels on the water heater for possible date of manufacture.

Here is some more info on each of these products: HOMESTYLE RENOVATION: Product Overview Combines home purchase or refinance (limited cash out) with home improvement financing in one loan with one closingProvides a convenient way for borrowers to make renovations, repairs, or improvements totaling up to 50% of the "as-completed" appraised value of the property with a first mortgage, rather than a second mortgage, HELOC, or other more costly financing method.Funds can be used for repairs or renovations that are permanently affixed and add value to the property.Primary residences as well as second homes and investment properties are eligible.NO MOBILE/MANUFACTURED HOMESRequired LTV's: Primary Homes:-1-4 Units-620 FICO Minimum (660 High Balance)-95% LTV 1 Unit-85% LTV 2 Unit-75% LTV 3-4 Unit- Minimum 680 Credit scoreSecond Homes -1 Unit - 90% LTV -700 FICO Minimum Investment Properties:-1 Unit - 85% LTV Purchase Only (75% LTV Limited Cash Out)- 720 FICO Minimum-2-4 Unit Investment Properties - NOT ALLOWED WITH THIS PRODUCT!

As a matter of fact, it is the main reason why I think it is difficult to scale a construction operation in this state.

I have an extensive background in home repairs and construction in general but lack experience when it comes to estimating larger scale jobs.

I dont expect the loan to fund such luxurious item like the example you mentioned but i do expect the basic of appliances like dishwashers, ranges,washing machine and the likes would scale through

I did not do this when I started because I was not thinking long term or large scale. 

The worlds largest manufacturer who also rebrands to many resellers is Hikvision.

Because of certain securities laws and laws pertaining to accredited investors I am worried I may not be able to scale as quickly as possible.

With those numbers you would of had plenty of reserves for the next deal, even enough to do two at a time if you decide to scale up and stick with conventional financing.