This usually leads to more permits and more inspections.

I work with investors across the U.S. who need fast, reliable funding and a lender who understands the ins and outs of real-world deals.Outside of lending, I’m all about extreme sports—snowmobiling, off-roading, skydiving—you name it.

It then sweeps funds back as needed, as debits hit the checking account. 

I'm in KY and can't imagine wanting to get in the hot tub in summer lol To OP I was curious about this as well, as for me I'd probably want the cooling option but curious to hear what others do.  

We have dealt with this in the past.

Are there lenders that will work with this?  

Check out this chart: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyMake sure you understand the Class of properties you are looking at and the corresponding results to expect.Metro Detroit has 132 cities, the City of Detroit 183 Neighborhoods, which we’re analyzing and classifying.

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hoping you see this (and wish there was a way to sort posts by DATE!)

Visit a number of them before you put out any money and see what fits you.