Help! How can I make a "Home Improvement Loan" include 2 lifts, a new garage door, rafter/ceiling repair and modification, and a water line run without the HoA or City thinking it's a "Business"....??? My Credit is higher than it's ever been, and I'm itchy to have a new project. All work would be done by me, I'm quite handy and them internets..

1 - I could easily remodel the rafters in the roof, they need repaired anyway, hence the atlas jack, and the sheeting is all plywood held on with screws, in order to make access for 2 decent Mid Sized Scissor Lifts, or ones where the bottom of the vehicle could be around 3-5ft off the floor. The one where the Chevy is would be like the hallway scene in Austin Powers, but I have measured and with very little modifications, I could make it happen. 

\---Only sh💩t thing is, where I live the "Local Code" would make me apply for a business license and pay extra taxes, killing the dream before it ever starts.---

2 - Now, I'm in no way, asking how to get around the HoA or the City. That would be insane! I love paying taxes!!!! ❤️ I would however enjoy any ideas on the proper terminology to perhaps apply for a "home improvment loan?" 

\---Don't mind the mess, I haven't done much out there in the last couple years but mow and "remove" my woodstove. The whole place definitely needs a deeeeep clean, makes my skin crawl to even post it looking like this. But everytime I park for the night, them creative juices get flowing!!---

Advice on a "Home Improvement Loan" - Wishing for the Ability to "Work from Home" One Day.