I just need to know is there any type of private lenders who specialize in much larger transactions with having windows on time of finish which I estimated at around 2 years.

I've dug around and talked to a few window people to get estimates and it seems like each installer is trying to sell me on a different brand and I'm trying to understand the differences and advantages of each. 

hi everyone,I just got accepted for a property and looking at the estimates, the closing cost seems a little high or is it just me. loan is for 68,000 at 6.625 interest rate.

when I punched in my address, it estimated 47% occupancy, which is WAAAAAY low. 

(you may want to pick out several based on different lot situations)Based on your plan you should be able to get estimates, You can either go to builders with their plans and ask them their cost to build pre sq.ft. or sq.m, or you can get actual pricing based on your plan. 

We have it listed for $184,900, and it seems like it could work either as a rental or a quick cosmetic flip.ARV: ~$235K based on comps in the areaRental Potential: Estimated rents around $1,700/monthCondition: Cosmetic updates needed but nothing major from what I can see.

But, I need an estimate for the whole year.

In my estimation (local utility costs vary as well as temperature) it is about $400 per month on average. 

Thank you Ned, that is exactly right, we actually check a condo/townhouse about 2 weeks ago, the thing was a condo with a basement, I cannot tell if it was a condo or townhome, anyway, the ceiling in the first floor was bowing, the 2nd floor, one of the bedroom was sinking, could not tell how this damage was done but the walls came apart from the floor, you could see the roof of the unit bowing inwards towards the structure a bit, and their "general contractor" estimate that for 5k they could straighten the property and level everything, even 1 window and 1 door looked so uneven that you would think  there was something wrong with your eyes...5k for structural damage, good luck with that one, we ran as far as we could from that....but we have seen they do inflate their ARV, since we learned the hard way , we go through these deals with a magnifying glass, I knew I was not so picky, numbers do not lie.Another thing that caught my attention, which I do not know if I am overly suspicious now that I am older, but they want to get the closing for us at the same time/day they are getting the property from whoever they buying it, which it seems to me they try to save on the closing by having a "dual" closing when in reality is just 1 closing and we are the one paying for it...I do not know there are few things that do not click right with this folks.

It is based on estimates.