I obviously can't speak to all the details as I'm not an LO but from what I understand (from their flyer) it's a conventional product, Park National keeps the paper and services the loan, it has no PMI, Is a 100% financed product, and comes with $15K to use for closing cost, rate buy down, or principal buy down depending on your situation.There is a new top dog in the loan products for house hacking in my opinion, and the best part of it is that its local money, staying local and helping local people.    

Is there a lender oe LO who's able to do a 203k loan with a total loan amount of 63k to 70k? 

You can stick with the individual LO when they make a move, if you like them, but are not obligated to. 

I am amazed of how many LO's simply do not know how to make this calculation.

Being a seasoned specialized LO is more scalable.

Quote from @Hsiang Lo: Quote from @Darrin Carey: @James ZhangThere are some good investor friendly lenders for the Dayton area, and several other states.70-75% of purchase + rehab can be done even if you bought the property for cash initially.For 70% of appraised value, you will need to own the property for 1 year (and a day).

Hey @Jason mcvey here is the trial link: http://flipstersoftware.com/lo...FYI there are different levels of this when you go to purchase it.

Have had some initial conversation with a LO with Mortgage Calculator Company, LLC. 

Meanwhile, I found it hidden as a fixed expense - but, lo and behold, it now appears under HOA, gas, etc., when I run a report so someone looked further at it.I appreciate the answer - and if there is a better way to work around the variable expenses for short term, please guide me that way!

I went to an auction 1 hour south of where I am located and the auction company just happened to have 20 beautiful hot tubs and the hot tub at my B&B was older so I was thinking why not, there weren’t too many people at the auction and we had a big enough truck so they started auctioning them and the first guy that bought one opened the side panel on his and lo and behold NO INSULATION.