You can start to educate yourself on the individual components; how much does it cost to paint on a per sqft basis or what is an average kitchen remodel.  

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He has multiple funds losing money and he's starting new funds and selling coaching services.

The CPAs and EAs I see on BP are exceptional so make sure you reach out to and chat with a few of them too before making a decision. 

After living through the GFC and the shrinking market for local banks, they saw an opening in the market for what they call "consultative banking" like they had years before and decided to start a bank.

How do I even start the conversation as a tenant?

Hi @Jasmine Thermitus welcome to Bigger Pockets and congratulations on getting started on your real estate journey!

I too never thought about a houseboat community until I owned a houseboat myself and started thinking of ways to make the investment make sense.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

When I first started out, I was insuring everything with USAA.