Delayed financing functions like a cashout refi but is technically a purchase loan.

Concessions Based on ImpactAt $1,850/month (~$62/day), here’s what we’ve done in similar situations:Bathroom rehab:One bath at a time with at least one always functional → $25–$30/day credit while one is out of service.Deck replacement:If it blocks the main entrance or creates loud work-from-home disruption → $20–$25/day for those few days.Kitchen rehab:If the whole kitchen is down for several days, we’ve paid for 3–4 nights in a local hotel with kitchenette or given $40–$50/day credit.Most tenants appreciate fixed daily amounts—it feels fair and avoids negotiating every little inconvenience.3.

Investment LogicWanting a property to be nice is fine - it helps with pride of ownership - but if it compromises cash flow, it’s better to step back.One approach: find a property that’s attractive but not extravagant - something functional, safe, and rentable.

The appraiser determined the property had functional obsolesce, making it something that not many lenders would want to finance.

As long as the big stuff (HVAC, roof, water heater) is solid and the place is safe/functional, you’re good.On the keep vs sell question with that low 2.5% rate, I’d lean toward keeping if you can stomach it, because that’s gold long-term.

That's a better idea, yeah.This is my second iteration of this spreadsheet - my first iteration treated my rent price as a function of the asking price, and upon reading more I learned that that's a horrible way to think about it So, I'm making progress! 

I have a floor lamp that has a switch, but it also has a remote with a lot more functions. 

adding a fourth bedroom and bathroom along with updating lighting, painting, and making a functional garage.

Each of these can effect revenue as it is important to achieve optimal Pricing (look to optimize the average daily rate (ADR) which is a function of rate and occupancy).

You don't know I got my bachelor's in business in 11 months or my MBA in 4.5, or that I live with high-functioning C-PTSD and still manage to strength train, own two businesses currently, go to therapy or take ice showers all without someone sitting by my side telling me I have to do it.