The roof needs work. Keep it that simple.
Carry the selected roofing amount into financing without adding unrelated work.
Keep the real project price in front of you, then explore payment options for the work you actually chose. Roof only stays roof only. A/C only stays A/C only. Bundle them only when the property genuinely needs both.
Pick the roof or A/C project first. Then compare APR, term, monthly payment, fees and total repayment. A smaller payment is not automatically a cheaper project.
The project should determine the financing, not the other way around.
Carry the selected roofing amount into financing without adding unrelated work.
Equipment, included work and total installed price come before the payment conversation.
One property can have two real capital needs. Keep both project prices visible before choosing how to pay.
Illustrative structure only. Actual approval, rates, fees and repayment terms come from the financing provider.