I found these at Home Depot for only $82/piece (32”x64”). https://www.homedepot.com/p/MSI-Calgary-Onyx-32-in-x-64-in-P...The pieces would cover each end of the tub/showers with no seams but I would have to use two of them for the main tub/shower wall...

I've used it as well as almost everyone on BP.But, owning a property free of debt gives a lot of control back to the investor. 

All about your goal and growth plan, with a Brrrr I would also add an Atleast 10% contingency for your renovation and make sure the ARV is accurate to be able to pull more cashout or pay yourself back the down payment on the refinance.

I practiced analyzing a deal with my friend the other day and the ROI I got back seemed really high lol.

I bought a 2 family back in 2022 I rented out the first side right away and then fixed the other side over the next year.

In fact, I speak to them probably more than any other client.Yes, this deal was a problem, and without getting into the particulars of it, I did everything possible on my end to unwind the situation, and get it funded for them.  

It is not worth it to get the reputation of taking loans and not paying them back. 1.

The extra income from section 8 could easily be wiped out if you get someone in your house who ends up destroying the place.

For example, can I simply let a friend borrow $25k & get paid back with some interest or is there some reporting & rules involved before engaging in such practices?

So the question becomes, because these are very low end estimations (I like to do worst case scenario numbers to ensure I don't over leverage) if the house would appraise for 230 and we could get 75% LTV would that make a big enough difference to make it work?