We had  a fireplace and stove that we did this with and it was a small part difference but we had no natural gas so it was permanent. 

The latter is what will make the most impact. 

I have a question regarding construction to permanent loan.  

As for interiors with out seeing them hard to tell, but outside of kitchens and baths (which can be expensive but do have the biggest positive impact on prospective tenants) we have found that fresh paint and new flooring makes a huge difference.

If it's something that could have a major impact on the deal, you could use an amortization table to find the balance.

You can always use it for yourself and don't have to commit to a permanent tenant. 

However, more risk you have from vacancies and deadbeats impacting your income.

Here are the details:-2.25 acres 2690 sq ft house Snohomish County, WA-Current Loan Amount (construction to permanent): $320000-Current amount drawn on the loan: $78400 (includes $9000 loan fee)-Interest rate: 3.95% ARM-Land Appraisal March 2017(bought outright with cash October 2016): $115000-Completed Project Appraisal March 2017: $525000-Current total yearly income: $92000-Total monthly debts: $240 vehicle loan(owe $5000, we can pay off if debt to income is an issue)-Cash in account: $22000 (We just put $17000 into firing builder/ foundation work out of pocket into the project)-Cash remaining on loan: $241000-Estimated amount we need to complete: $280000 minimumWe believe the project will appraise for $580000-$625000 currently based on redesigned plans (added 200 sq ft) and new comps in the area we are building. 

First, there is a very large change coming on how medical bills are reported and what negative impact those bills have on your credit, changes take place Nov 15th of this year I believe.

This will negatively impact your ability to qualify for any kind of reasonable house payment.Secondly, if by some chance you do qualify for a mortgage, you've now got not only a mortgage payment to make and current life expenses to pay, you've also got several months (years?)