DM the complex.You need:Condo certificate filled out, master insurance policy declarations page, budget, by laws, contact email for HOA manager who answers, borrower with 43% back end ratio, borrower middle FICO 670+, borrower with 2 years same income stream, the money in the bank past 60 daysthen it's easy to choose the best lender.

You're the fix and flip lender that covers 80% of budget needing 6 months reserves and 20% liquidity of a budget .

Don’t jump into a 6 figure renovation - you don’t have the budget for that anyway, but just start simple to get your feet wet.  

For a BRRRR it should cash flow about $300 monthly, and as a all cash rental about $600 monthly, and both of those were with more upgrades than really necessary for the house because I wanted to way over budget the repairs, because I'd rather over budget and be happy that I'm under than go way over. 

Get rid of debt, build a budget, and save.

Additionally, if their capex budget was only forecast for 5 yr hold, and they are now anticipating 10 yrs, they may be seeing roofs, exterior repaints, other exterior repairs (stairways, railings, parking lots) that they assumed they wouldn't need to address, but now need to.Things to look for: positive DSCR TODAY, not on pro forma numbers.  

However, not many people are eager to do that.Once you’ve established your budget and your level of comfort with sacrifices, buy the best deal in your market.

I'm budgeting 10% each for property manager and vacancies, and 5% each for CapEx and repairs. 

My budget is $160,000 and I want to grab a pristine, move in ready rehab in a decent neighborhood.

Your problem is budgeting $75 a month for capex.