@Ahmed MoustafaThe general Fannie Mae guidelines you mentioned are for non-renovation loans. 

After inputting all the data, they provide a review that includes cash flow, Cash-on-Cash (CoC) ROI, and even a graph to estimate the property's growth through appreciation, yearly cash flow growth, and loan paydown.

The loan programs of your buyers will dictate how much of a credit you are allowed to apply to their closing but it certainly helps to move inventory when you offer an incentive. 

There is opportunity here for great cash-on-cash returns because we have local hard money lenders that provide 100% purchase & rehab loans for doing the BRRRR method, which ultimately decrease the amount in the deal.

Scaling with Business Lines of CreditAs your business credit grows, you’ll qualify for larger funding opportunities such as:Business Lines of Credit (LOCs): Flexible borrowing for down payments, renovations, or operational expenses.Unsecured Business Loans: Access up to $250K or more without tying up personal assets.These financing tools allow you to scale faster while keeping personal credit utilization low.5.

Quote from @Gary Bonds: Any best practices when attempting to secure business funding from a bank, in the form of a loan or credit?

Then I’d pay those loans off within a year with my cashflow.

Then a Civil Engineer, an Appraiser to determine what having a four unit would be worth, then a loan using the evaluation.

@Brett Riemensnider You can claim expenses related to your rental property, even with a homestead loan, by allocating costs based on the 75% rental usage.

Do you have a loan lined up?