The calculation anticipates the fact that not not all who work for the government own a property and not all who lose their job sell their house. 

I'm looking to stay away from fixer upper BUT I'm ok with general repairs and small work like paint and flooring.

As you already know, anything under $65k will likely require a heavier lift in terms of repairs, but that’s where you can create the most value.

.✅ Property Age & Maintenance – Older homes can offer lower purchase prices but may require more maintenance, while newer homes often have fewer repairs but may come with higher price points.✅ Rental Demand – Single-family homes tend to attract long-term tenants, while multi-family properties can provide multiple income streams but require different management approaches.If you're still getting familiar with the area or have any specific questions, I’d be happy to chat and share more insights.

The property is livable, but I am account for a pretty significant turn in 4 - 7 years of paint, flooring, and any miscellaneous repairs that the inspector could have missed since it was occupied.

Repair costs would be $150k.

✅ No risk, no cash out of pocket✅ You work with, cooperate with, the homeowner instead of negotiating against them✅ No tenants and toilets✅ No maintenance or repairs✅ Short-term deals with sizeable assignment fees✅ Those fees can fund long-term strategies like buy-and-hold or fix-and-flipIf you’re an aspiring investor looking for a low-cash entry point into real estate, Cooperative Assignments are an effective strategy.  

What is your draw fee & benchmarks for the repairs portion of the borrowed money?

Since you’re using your own funds for the renovation, that can work in your favor, but some lenders may still be able to fund 90-100% of the rehab costs if you choose to leverage financing for that as well.A few key things to keep in mind:✅ Loan-to-Value (LTV): Many lenders will go up to 70-75% of the after-repair value (ARV), so your projected resale value plays a big role.✅ Luxury Market Considerations: Some lenders may be more conservative with high-end properties, so having strong comps, a clear exit strategy, and a solid renovation plan will be important.✅ Interest Rates & Terms: Expect slightly higher rates than standard fix-and-flip loans, often in the 9-12% range with 12-18 month terms, depending on your experience and lender.

Be sure to factor in property management costs, repairs, and potential vacancy periods.