Bacon is more yummy than a Christmas tree, but I bet I'm going to have a whole lot less regulation growing Christmas trees... however, before we even get to that, it's necessary to know that the inquiry is even about bacon v Christmas trees, rather than Bacon v grapes. 

There are likely work arounds and you will need to discuss with a loan officer.

Loan is just over $108k. 

In today’s market most homes will be worth more than their outstanding loan balance unless they are VERY recent purchases with little to no money down.

Deductible expenses include renovation costs, loan interest, and holding costs.

Research the area's nuances, understand BRRRR financing strategy, network with local investors, analyze potential deals, use VA loans wisely, explore financing options, and network through investor groups.

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

Since you will be renting it out you should get a conventional loan.

Wouldn't hurt to look in to both to give yourself the best chance at finding the best loan product. 

Account Closed said, income and assets are the only "hassle" with a conventional loan.