At that time the lender gave you a fixed loan for a certain period of time with so much down and a certain amortization schedule.The debt service coverage ratio example.At DSCR of 1.25 means for every dollar of mortgage payment the NOI can cover 125%Your current lender back in the day might have done say for example a 1.10 DSCR ratio because absolute NNN and investment grade so perceived risk to them was low.

Also, what would you recommend about getting a property to fix and flip or rent?

It's really hard to give financial advice without having a full idea of what you're trying to do (fix and flip, buy and hold etc). 

Quote from @Dennis Knapp: they are offering 5% down and 5% fixed rate just seems to good to be true i am researching them now. 

The tailored terms are especially useful for unique real estate strategies like BRRRR or fix-and-flips.

I am currently 5 weeks into working my first fix and flip and I am obsessed.

Have you considered using a fix-and-flip loan and leveraging your HELOC funds just for the down payment rather than the entire project?

They can find things but if they require say overhead lighting and you don't have it that is a bigger issues then small fixes. 3. 

A couple years later, repairs, vacancy and turnover costs and you've actually lost money every month and you've decided to sell and buy in a more desirable area, but the property hasn't appreaciated, you have to fix it up to sell and incur transactional costs and you lose even more money. 

I have built and sold 3 others and fixed flipped 1.