Fully renovated 4-bedroom, 3-bathroom home with 2,440 square feet of living space on a generous 9,125-square-foot lot. Purchased in June 2024 for $950,000, the Borrower invested $200,000 into a comprehensive remodel and expansion, adding 713 square feet, two new bedrooms, a walk-in closet, and two bathrooms. The home’s upgrades include engineered wood and porcelain tile flooring, fresh interior and exterior paint, all new doors, dual-pane windows with plantation shutters, new ceiling fans, central air conditioning, LED lighting, and energy-efficient appliances and fixtures. A cozy fireplace, covered porch, and two-car garage complete the property’s appeal. The kitchen is brand new, featuring quartz countertops, modern cabinetry, a large center island, a six-burner gas cooktop, a custom display hutch, and a walk-in pantry with built-in shelving. Bathrooms have been redesigned with porcelain tile flooring, quartz-topped vanities, barn-style stainless steel rollers on glass shower doors, and porcelain-tiled showers for a modern, high-end finish. In addition to the completed renovations, the Borrower is adding a pool, spa, and an ADU above the existing garage, which is currently 70% complete. Landscaping and a new block wall fence are also in progress. The loan request is to refinance the current purchase lien and provide cash out to complete the ADU and pool. Once leased and stabilized, the Borrower plans to refinance into a long-term DSCR loan. The Borrower, a limited liability company formed in 2023 and a repeat SO-CAL client, is led by a self-employed real estate investor who also works full-time as a Network Engineer. He has a strong financial profile, with $179,840.96 in deposits over the past three months, ownership of a primary residence plus five other investment properties, and approximately $1,790,000 in protective equity. With an excellent 750 FICO score, he is well-positioned to execute the value-add strategy. The loan carries a 24-month maturity with 4 months of prepaid interest, offering stability during the final stages of the project.