Right now, a reasonable estimate is a low double-digits interest rate (say 11%-14% for example) with a few origination points (say 2%-3% for example).

They typically will not go above 70% cltvAs others mentioned I would be very careful who you are working with and what information you are providing.Also how many properties do you have and what is the estimated value and loans on them.It’s very different giving someone with $10-$20M in assets a LOC vs someone who has 2-3 properties

I had about the same results when I placed 20-30 calls per day, and the quality of the leads were similar: every day I would speak with 5-10 individuals and get one or two seller saying they are open to the idea of selling their house, but they would not accept anything less than the full retail value (often 125% of Zillow estimated value).

According to Opendorse:The collegiate NIL market is projected to grow by more than 40% this year, with an overall estimated market spend of $1.67BThe collegiate NIL market is projected to eclipse the $2B mark in tandem with the highly anticipated revenue sharing slated for the 2025 academic yearIn the commercial segment, Women’s Basketball is in the number two spot for total compensation, second only behind FootballBy 2025, Top 25 NCAA DI quarterbacks can expect to net more than $1.3M annuallywhen factoring Scholarships & Benefits, Commercial NIL, Collective NIL, and Revenue Share paymentsCompetitive collective budgets within Power 4 conference are up 50% YoY, amassing to a war chest of $13.9MWhat schools have the top NIL Budgets?

However the savings come with increased risk and most people are just horrible estimating the costs of risk. 

FYI-  for a long term rental, a lender will consider the income right away (75%) if there is a signed lease agreement or an appraiser' estimate STR/MTR Income Must Show Up On Your Tax Returns- Before a lender can recognize that income for underwriting to offset your DTI, they must see it reported on a schedule E on your most recent tax returns. 

Market Analysis Tools: Mashvisor: Provides in-depth analysis of neighborhoods for both short-term and long-term rental properties, including cash flow estimates, cap rates, and appreciation potential.

Now I still feel interconnection is hard to estimate as investor even some of these information are available online and this is the biggest risk I am taking here.

Later I called an HVAC guy for estimate and he said to install central AC it would cost about 3500 - 4000$.

Because of this, unsophisticated appraisers reduce as-is value more than they should.2nd, the appraiser estimates the increase of value, based on your remodel plan.