And what type of loan product have you found to be the best for the above scenarios? 

Start by consistently analyzing deals and read a few books like "rich dad poor dad" and "richest man in babylon"

It just isn't as useful if people can't promote.But, I think that all that can be said on the issue, has been said, and from here on it just gets non-productive. ;-)  BP has changed, Mike Hern is happy doing his thing and BP carries on.

For Flips:at least 50% of liquid cash for unexpected expenses or cost overruns of the property’s rehab budget additional to downpayment financing, closing costs and improvement funds.Too often you hear investors blaming the realtor for their poor decisions.

I might be calculating things poorly or overlooking something, but I'd prefer to be on the safe side. 

FL, NY, MD, CA, VA, NJ, Horizon Bank, Kalamazoo MIHughes Federal Credit UnionHuntington MI 75% LTV 5 yr IO product available.

@Marquez Davis You can expect a lot lower leverage with land purchase, but as @Sasha Mohammed said, there are products for ground up construction that roll the costs (horizontal and vertical) into the overall construction budget.

I started working as a MLO 1.5 years ago and am talking to my manager about how we can add this to our product list.

Read Rich Dad, Poor Dad. 

There are also no ratio products that do not require the property to debt service.