If it is a high end housing product you may have to use a designer because they have access to some material/finish suppliers that are otherwise unavailable but that tends to only be for the highest end housing deliveries.

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer. 

Quote from @Andrew Steffens: I am curious what products exist?

Hello,I am a Software Engineer and a Real Estate Investor working on a tech product for the real estate mortgage brokers.

The idea is the product of an ah-ha moment late Friday afternoon as I was scrambling to put the pieces of this puzzle back together.

Yes, it's true that you might be able to find a product you need at a greater discount when a brand like Wayfair or CB2 is having a sale, but I've found that they truly do offer superior discounts at scale, even considering the fee. 

I'd be interested in hearing from condo investors about why this real estate product makes sense even with the low COC returns and HOA fees that cannot be influenced?

You could give them a thousand bad reviews, if they are the only person in town offering a specific type of product, people will still do business with them.

It took them several weeks to list my property on the market when there wasn't much to be done but they charge me $600+ for cleaning.

Seems a bit high on the exp ratio near 43% but we do pay a premium for our solid cleaning lady, she also stocks supplies, runs errands and other duties for no "extra" charge.