Local product is cheap since no import tariff.  

Most are going to want to lend on the rehab as it ensures the rehab to be completed,There are numerous ways to pencil it out in your favor though.It benefits to work with an experienced broker who can guide you through the process and put you into the best possible product and solution out there for you.

Ask your tenant to use smell minimising products.

I have seen different product offered by other Turnkey marketing companies as well.

I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

I wasn't sure if the loan product matters.

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

I'm a 20x AirBnb superhost who realized I have more productive uses of my time than hosting directly.

We tend to stay just below our competition with a superior product.  

I dont want the money to become an issue but a by product of helping others ( scaling ).