I don't think the LVP will feel right with carpet underneath and it's not a sound installation practice to have that buffer layer there.

That experience taught me to always overestimate CapEx and vacancy buffers... it’s much easier to sleep at night when you’ve got those cushions in place.From what I’ve read in Bloomberg, these challenges aren’t unique, especially with rising rates.

Future deals should include a 10-15% buffer for unexpected rehab costs.- You should consider some other lenders.

If you're confident in the flip and have a contingency buffer, a HELOC can work.

Ensure your flip profits exceed the LOC costs, maintain a financial buffer, and compare it to private or hard money loans.

It also gives them a bit of a buffer if there are delays with their new place closing. 

It's your job to create a buffer between the tenants before they start fighting as well.

Some hard money lenders lend at pretty high LTVs, leaving little equity buffer to protect your principal.

.)- All in Cost = Cost to build * Square foot  - Sales Price = All in Cost + (All in cost * 20%)* Covers contractor and soft cost on either fee based or cost+- Profit = (Sales price - (Sales Price * 7%))* - All in Cost   accounts for agent fees and closing cost- Initial List Price = Sales price + 10%      A buffer to test market absorption- Break Even being All in cost, point where everyone is paid except me. - List price is to test the market absorption at "x" price. 250k land + build.

You have a 200k equity buffer, so you should be able to get closer to 130k from a LTV perspective - but will your rent amount cover that new loan?