Skin in the game is key🔑🔑

I am not saying this is the case but if it is do not give up there is always more than one way to skin a cat.

In fact, as I was picking out paint colors for the house yesturday, I was excited for what different colors I will choose for my next remodel.

Very market specific... and price point specific.. sleek modern dark cabinets are in these days we have been putting them in new builds in Charleston.. in our first step up in PDX market IE 450 to 500k we will put in white oil base.. with a different color for the island .. and some client will ask for dark cherry or something like that.. but white is a good all round look ..

How much skin in the game (your own cash) are you comfortable with.

Either that or a dark tile/grout to hide the stains.

You have a few different materials used in that foundation, i agree with @Russell Brazil on this, yes there seems to be some " handyman" work done, but nothing bad enough that can not be fixed with some jacking up and repairing certain areas. the contractor probably does not want to bother with it ( who knows, he may want the property himself after seeing it) so he is trying to make you think there is a ton of work to either give you a high price or hopes you will walk away so he can grab it. the roof, plan on installing a new roof, shingles look close to their life span and not because of the color, look at the gaps between each tab ( the views from above show it best) when they start to widen up that means the shingle is drying up and close to the end of it's useful life.

Your wise to avoid those dark/no sun places in SLV.

Some mixed use properties might fall under this depending on the how the lender views the property.If you are buying a SFH as a second home or to rent it out, it would still be a conventional loan, but the lender will likely require a higher down payment and interest rate to make sure you have skin in the game and aren't going to run away.If you are trying to put the property in an LLC, it would have to be a commercial loan because Fannie Mae doesn't lend to corporations.

I have used a dark grey LVP in the mudroom / laundry room area in a $650k spec home and have gotten a lot of great comments on it.