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What to do with $7000 holdback?

Hi Reddit I recently purchased a house with intentions on putting a $10,000 fence in. The builder isn't too keen on doing it because of the flow of the street. He WILL do it as per the agreement but I'm also having second thoughts and fine with not.

The lawyer did a $10,00 holdback for it. The builder said he could finish the space under my deck with pavers and finish it nicely for more outdoor living space with privacy shutters/ blinds or put in other upgrades in the house like a bar etc.

Should I do any other options? If i do, I want them to be value add and get the money back if I sell in the future. OR I can just take the $10,000 and invest it??

Is there also anyway I can see if I can give it back to the lender and they can rewrite the amount of my mortgage? Been in the house 10 days.

Thanks for any input and guidance here.

submitted by /u/LifesOptimist
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source https://www.reddit.com/r/RealEstate/comments/c7m69r/what_to_do_with_7000_holdback/
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