Also there is value in accepting tomorrow isn’t guaranteed and working later in life when not a necessity seems to be highly tied to ego.

A debt service loan would be a good option if your DTI is high, you want to close in an LLC, you're self-employed or have low income on paper, or you don't have a stable 2-year work history.

I also like contractors that have packets that allow you to pick out the stuff that you want to use for that project, which reduces the quality control process..

I'd highly suggest getting to some local meetup groups in MKE:  https://www.biggerpockets.com/forums/521-real-estate-events-...When you say you are considering alternative financing options, what does that mean?

Tenant buyers that put a high option fee have almost always exercised the option and purchased the property. someone puts 50k towards the option I suspect that has a high potential to convert.. someone that does 10k much less..

But the mortgage is still too high. 

If it is a high end housing product you may have to use a designer because they have access to some material/finish suppliers that are otherwise unavailable but that tends to only be for the highest end housing deliveries.

Is BP a hot spot for high volume wholesalers?

>The likely rent I'd get in this area will cover half my mortgage payments at the momentI have done all of my brrrr in different market and I have the same issue that after a refi to extract the value add, my high LTV property at current rates is large cash flow negative (not as large as only covering 50% of the mortgage).  

It has had higher appreciation than nearby towns since the pandemic and you should be cash flow neutral or slightly positive day one as a long-term rental with a 20% downpayment.Note that zillow and other websites greatly understate your property taxes.