Key takeaways
- Prioritize projects that add value and livability.
- Coordinate timelines so funds land before work begins.
- Keep a reserve to handle change orders with confidence.
Start with the highest return projects
Kitchens, baths, and energy upgrades deliver the strongest appraisal boosts. Document expected ROI with contractor quotes and comps.
Bundle smaller cosmetic fixes into the same job to minimize disruption and leverage contractor availability.
Lock in your schedule
Confirm contractor timelines before your refinance closes. Equity proceeds arriving ahead of start dates keep crews committed.
Use milestone-based payment schedules so cash flows out only as work is completed.
Protect against surprises
Hold 10% of your budget in reserve for change orders or material cost swings.
Track spend weekly and update your lender if you need to adjust the plan mid-project.
Action plan
Collect bids, validate ROI, and request a cash-out quote timed to your project kickoff.
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