And I'm very conservative about having reserves so I don't take cash flow lightly.

Until you have all the elements necessary for a complete loan application, these disclosures are meaningless in light of the new TRID requirements which went into effect on October 3, 2015.  

Don't underestimate the cost of installing all of those fixtures, plus emergency lights (which you should put in common areas).  

It might also be marked "A a", both upper- and lowercase There's likely a "Caps Lock" or "A" indicator light somewhere also.

I am also going to have the faucet and other fixtures replaced with new chrome.

Yes, the band is there too.Did I mention the outdoor lighting?

Traditional styles, go with white, distressed or traditional cabinetry and floors can be anything from dark to light, as long as they coordinate well and have texture.Traditional style fixtures go with oil rubbed.  

The Copper Kings may not hand out cash favors on the floor of the State House and Senate anymore, but things still get written into law that wouldn't survive the light of day in most other states.

Perhaps you could provide the photographs realtors could use when listing properties (you've seen the professional looking shots where it's dawn or dusk and all the house lights are on). 

Flooring, baseboard, new doors and trim, door handles, electric fixtures...Man, the list just keeps growing.Now, on another note, you might have found a charmer of a 2 bed that just needs some polishing up.