You can ask your lender if the LLC or Company that you own performs the work, if that will be acceptable.
An LLC only costs around 300 to 500 dollars to open and if you need to speak to the CPA that helps me with my companies, just let me know.
Josh Barnett, Realtor
Metro First Realty
I work with several lenders and they say no. You must contract the work to licensed contractors.
I wish I had better news for you.
Best of luck,
Keller Williams Realty