I'm having a very hard time with them and on the verge of losing my earnest money on a house purchased to flip.

You want to work with private money, not residential mortgage companies for investment properties.

But the program will not make you money.

A 0% APR credit card is a smart move for materials, but for labor costs, you might explore a private or hard money lender, especially since your loan term is only 3-4 months.

I had zero money and house-hacked my way to 32 properties (pretty much!).

We let them invest in these homes with us by allowing them to buy a % when they collect/earn enough money.

The money is a consequence of a job well done.

My walk through estimate was roughly 60k, Hard money was 12%.

Is it making you money?

Between the time associated with making the investment, tied up capital and associated stress involved, even if the investment breaks even or produces a small gain most would look back and wish the money sat in their account until a better opportunity presented itself.