I believe we could flip it and profit $15,000 to $30,000 (my profit number isn't exact because I believe with it being a HUD home and with it being listed for a while we could buy it under the listing offer which would be great because we will gain instant equity at purchase.)

Welcome, come check out the meetup we have, its always informative and a great source of instant knowledge of what other investors are up to here in Denver!  

looking for mostly single family dwellings..

So many of my peers will run around creating this culture saying that it's worth refinancing every 6-10 months, which is instantly what I think of when I see "go refinance again" followed by three exclamation marks ("!!!")

I get paid to close real estate transactions.Here's reality:If I tell you that we need a 60 day close of escrow, what % of your deals will be instantly killed?

I believe it says I am exempt since it mentions that only "buildings" with 3 or more dwelling units require it, and I only have "buildings" with 2 dwelling units.

Since my last post was removed here is a better pictorial representation to bypass the irony filters:In fairness the question may have been serious so I will try to avoid being a complete jerk and say that if such a miracle site existed everyone on BP would immediately be instantly wealthy (on paper at least) and many investors would be investing in ridiculously risky investments.  

Its 25% down payment for the purchase of a non owner occupied dwelling after 4 loans. 

That way, when a great deal comes along, you will spot it early, instantly know it is a great deal, and be able to pounce on it with confidence.

Here is the banks reply,"Hello there, I do have new construction programs rolling out at the end of this month, however, these are only for single family dwellings so they wouldn’t allow you to build the type of triplex or fourplex that you are looking for, I think you would have this problem with any bank.