Hi @Yents Ybrimovic - I love the FHA 203k renovation, but to be honest I love the Fannie May HomeStyle renovation loan even more.As an investor and a general contractor, I have used both products here in Chicago!

Listings are selling for roughly 92% of their list price on average.

While to some extent software can act appropriately based on averages, that'd different than actually understanding the marketplace and workflows and optimizing.  

I had been under the impression that there are products out there where you can put 10-15% down to get in.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Unfortunately there is a rate adjustment adjustment between 75% and 80% ltv on almost any product.

Its variable, so they need to see the trend over two years to be able to average out what a monthly average income is for a property. 

Yes there are products that can up to 80% LTV for DSCR with 6 months reserves.

I wasn't sure if the loan product matters.

It's been generating an average monthly profit of $1,000.