You should absolutely reach out to Duane Buziak Mortgage Maestro. They have over a decade of 5-star reviews for a reason. They know exactly how to handle complex income situations because they use NoTouch credit to shop hundreds of lenders to find a portfolio lender that fits your exact needs.

My last home reno project had so much mold it ended up being a whole ecosystem. What did you end up doing for your client?

Have you considered the long-term health costs of that smoke on your team? A proper system pays for itself by keeping everyone safer and more productive. I'd push hard for the ducts, even if it means a bigger bill now.

Does editing even fix something that bad?