She, herself, has either flipped or built scores of houses.

Are there any banks/credit unions that charge LIBOR instead of Prime on HELOCs?

I have an excellent credit score of over 800 and am looking for advice on what mortgage rates I should expect for a 25-year or 30-year loan.Additionally, I'd appreciate any insights on the benefits of opting for a commercial loan versus a personal loan for this type of property.Thanks in advance for your help!

(Thinking about Credit score req.'

I can tell you the thigs that the company that I work for looks for with fix and flips for new investorsFunding up to 75% of the purchase price100% of the renovation costtotal loan amount not to exceed 65% of the after repair valuecredit score of 660 minimumcash reserves: bank statements to verify9 months of debt services If you have any questions you can send me a message.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

These will still require a decent credit score and at least 25% down payment.  

While qualifying for a HELOC is dependent on your home equity and your credit score, good or excellent credit makes it easier to qualify.

We have an in house risk assessment system that includes credit, property value and other factors to score a loan.

The value of the land is estimated to be about 35% of the total cost of the project, I have an excellent credit score, high income and very low DTI so qualifying for a loan would not be an issue, other than the fact that I am not a GC.