Thats my only debt.My credit is about 600, So i beat the 580 minimum.

If work comes up then you have 40% each month extra to pay off a credit line that covers the expenses. 

I'm unable to remember who created it, so can't give the proper credit, but here's the link.

Many people swear by rent credits or lease-purchase options but there are myriad rules and nuisances to it.

Check out the Fannie/Freddie websites for general terms, or speak with a broker/lender for more specific terms.I've underwritten 30 year am with non-Agency lending sources in the last 30 days (Banks, credit unions, etc.); if the asset is in good shape and performing, and the borrower/guarantor is strong, shouldn't be any problem finding 30am. 

The first three local banks I spoke to either only finance based on purchase and renovation cost or have a 2 year seasoning requirement to refinance on appraisal.Does anyone have a recommendation for a specific credit union or bank that refinances commercial loans based on ARV off the bat, or with a 6 month seasoning?

The tenant pays for the background and credit check.

Getting bonded is dirt cheap, and if it weren’t for insurance costs I’d bet there’d be more contractors out there.you need good credit to get a bond that I think is a stumbling block to some in that industry. 

As David said, stains are not wear and tear they are damage.

Looking for a broker or a credit union avenue.