A $90K budget became a $200K+ transformation when the city inspector cleared the roof—but our team found lifting shingles, a bad valley, a dormer pulling away, and mold throughout the ceiling. This is why you need a 203K specialist, not just any contractor.
FHA 203K Full Renovation Back to 203K GuideOlder Detroit homes are full of surprises. The inspector signed off. Our crew found the real work.
The city inspector cleared the roof before closing. Standard inspection, standard approval. But Arise Above doesn't trust standard inspections—not on 203K projects where the lender's draw schedule has to cover every problem discovered.
Within hours of gaining roof access, we found it: lifting shingles throughout, a bad valley that had clearly been leaking, and structural decay in the decking underneath. A full tear-off and replacement was mandatory. Then we spotted the dormer—pulling away from the wall. More structural repair needed.
This is what separates a 203K specialist from a general contractor. We know what inspectors miss, and we know how to document and budget for it.
The back upstairs room had a history of water infiltration. When we pulled the drywall to investigate, the entire ceiling cavity was mold. Not a spot. Not a section. The whole thing—nothing but mold behind what used to be an old addition to the house.
The toilet was positioned on one side of the bathroom, leaving no room for the large double-sink vanity the homeowner wanted. We repositioned it to the other side and full-gutted the bathroom. But that mold in the ceiling? We had to pull all the decking, remediate, and rebuild from the framing up. Full ceiling tear-off, not just patching.
This is why mold remediation on older homes is never a small scope. Once you open the walls, the work grows. A 203K loan has the flexibility to handle it—a regular construction loan would have shut down the project.
What started at $90K covered a far more ambitious scope than anyone anticipated. The homeowner now has a kitchen with custom cabinetry and granite counters, hardwood flooring throughout the main spaces, a completely reconfigured bathroom with that large vanity they wanted, and a wrought iron staircase that ties the whole interior together.
The roof is solid. The dormer is reattached and secure. The ceiling is dry. The mold is gone. Curb appeal is restored. The house went from a financial liability to an investment.
And it all happened because Arise Above knew how to flex the draw schedule, manage the scope, and keep moving through the surprises that always come with older Detroit homes.
A standard construction loan is designed for new builds or predictable renovations. But 203K loans are designed for chaos—for older homes where you don't know what you'll find until you open the walls.
The 203K draw schedule is flexible by design. When you discover mold in the ceiling or a roof that's worse than the inspector said, you don't have to shut down the project and renegotiate with your lender. The 203K process expects hidden problems and builds contingency into the loan structure.
Most contractors have never worked with a 203K loan. They're used to fixed-price, fixed-scope projects where surprises become disputes. Arise Above has closed dozens of 203K projects. We know the draw schedule. We know how to document scope changes. We know how to flex the budget without losing the project's momentum. When surprises come up—and they always do—we keep moving.









Complete tear-off, new decking, full shingle replacement. Valley repaired and sealed properly.
Structural reattachment and reinforcement. Flashing properly sealed to prevent future leaks.
Full ceiling tear-off and rebuild. Professional remediation and proper ventilation installed.
Toilet repositioned. Large double-sink vanity installed. Full gut and rebuild with modern fixtures.
New cabinetry with granite countertops. Modern appliances. Lighting and layout completely reimagined.
Installed throughout main living spaces. Professional finishing for a seamless, lasting result.
Custom iron staircase built and installed. Architectural feature that ties the interior together.
Curb appeal restored. Proper flashing and water management throughout the exterior envelope.
If you're looking at an older home in Metro Detroit—one that the inspector cleared but your gut tells you needs real work—you need a 203K specialist. Arise Above has the experience to find what others miss and the expertise to manage the surprises that come next.