Deductions are a matter of legislative grace and the taxpayer bears the burden of proof, both of production and persuasion.

There are still down payment assistance options or portfolio products for lesser of a downpayment but your terms on those are worse. 

One visionary comes up with the idea and creates an ingenious product, but later generations will always have the advantage of hindsight and trial-studies from which they can improve their design.It's very difficult to say where the whole space will go. 

Complaining, or (overly) worrying, about these things is counter-productive. 

Thank you I would always refer people to trusted sources like @Brian Burke , who have a good reputation and while they have their own products to sell can help evaluate the claims made by another fund.

AS John points out, yes, we do have LOC products for investment properties in Texas.

He's out of Rochester, has lower limits for DSCR but also has a ton of options for loan products.

Most of them are not specialists in the way that youre thinking - they're retail employees with baseline knowledge of the products in that area.

Simple, get the book: "Lend To Live".It's "the Bible" of the lending business and it's featured here on BPhttps://store.biggerpockets.com/products/lend-to-liveMike

Quote from @Jason Hirko:Just to double check, because I know nothing about lending side, do you have any loan product for rehabbers where title insurance is not required?