If you are trying to compare fee's or rates this forum is great for helping with that type of question. 

The market is in a extreme state of flux due to interest rate volatility.

Hello, it is really time consuming for me to analyze each property by manually entering its data to calculate the return.  Is there any software where I can filter out properties below a certain return?  I want to be ...

If you're comfortable living where you are, equity in your current property or your savings rate would be the two other ways to get your next one which is going to be much slower.

I have been on New Western's deal list as well as another bigger local company and everytime I underwrite these deals there is very very minimal left on the bone let alone contingency funds for going over budget on the flip...

You have to have confidence and the Sponsor needs to build a relationship with you if he wants to be sure you have some insights into the risks of the types of deals you would be funding. 

The default rate is only 1% per month which is 12% annual.I assume there are more pages to that agreement

Do you have a pre-approval or proof of funds ready?

Be sure to have funds you can tap in case of emergency or inevitable market dips. - Most Fortune 5000 (and others) companies do this.

With some proper planning and the funds to lock in materials early, you can have an efficient build, but certainly not fast.