Why wouldn't you want to make 3x for a little extra headache....?

New loan - ~70-80% of the ARV (126k in your example - paying yourself back the 100k, plus 26k extra)Closing costs (generally rolled into new loan) - lets say 4k for example (you should shop around to see best option)Total loan amount that you are paying back monthly - 130k (plus insurance, property tax)Dont forget about the seasoning period though!

Again, the extra money spent on the membrane and the stickier/harder mortar ends up paying off here.The only realistic exception to this advice would be if you have big cracks all over this concrete slab -- but if you had anything sizable enough to worry about, you probably would have mentioned it already.

We are not sure how to go about the extra bedroom since it was already built and its part of the house.

(Many can) If you could switch to VA it would be better for you but the seller may have an extra cost or two- ask your agent.

Literally will take under a minute and save you an enormous amount of time and money.

I can take those 99 extra hours and invest them in more research, etc.

I have been wondering the exact same thing trying to find side hustles to get some extra money to get the next RE since we Bought one in april

For an extra 20% +/-, they find the subs and workers, vette them, manage them, check their work, pay them appropriately...and they have the insurance and bond so you're covered.

That’s effectively a 9% return on your money, and now you can aggressively invest your income from your business and this extra money with really no risk at all.