sub-floors or similar issues that come up when improvements are not completed.
un-permitted kitchen areas can have sinks and even dishwashers, but stoves need to be removed; kitchens must be turned into “wet bars” effectively.
"average credit score = 750!"; bad thing?; good thing! read books or learn about programs by yourself, but this is hardly “new” knowledge. it is so much more engaging and useful to actually talk to others who have “walked the walk” in recovery and can give you direct advice.
asking for help is a foundation of recovery. following through on the advice is the key to success. 