Not sure what state you live in, but some states offer very good assistance programs for first time home buyer. $20k it’s enough cash to get you going.

In my experience those programs are more comparable with the coaches on "the biggest loser" than being a purchased magic pill that suddenly makes all the changes, so either way it's gotta be you who does it, only question is if on your own or with an expensive coach chasing behind cracking a whip on ya to keep you moving forward at it. 

Saved >30% from contractor quotes.Here are a couple in my wife's office off our master bedroom & they were no where near $2000. 

I soon found out that many of those off the wall get rich in real estate programs ---- really did not work as promoted, so I had to take more, more to find the key to wealth in real estate!

If you take your units out of their program, more will fill the void for the "guaranteed" rent....except there are a hundred situations where it's not guaranteed like you found out. 

* Did a complete gut rehab of the master bathroom down to the replacement of the subfloor, * Did a kitchen rehab by repainting the cabinets, adding new countertop, new backsplash and new appliances, new fixtures, * Repainted the entire house* Added new floor to the basement living area.* Added siding to the one extra room.

@Shaquille Alexander Might want to see if the ADPI lending team offer such a program.

For the lender, one has given me information on mortgage credit certificate programs, down payment assistance programs, and another called seth goldstar.

Conventional financing 5% down no PMI first time home buyer program.

One thing I personally dislike is that the master closet, which is your standard 5' wide closet, houses the water heater.