The following are maximum LTV/CLTV/HCLTV ratios for purchase or LCOR when HomeStyle Renovation mortgages are underwritten with DU* (note that borrowers can also qualify for up to 105% CLTV with eligible Community Seconds®):- One-unit principal residence to 97% LTV/CLTV/HCLTV with FRM; 95% with ARM (Available in DU on March 17) (Note: For LTVs > 95%, on purchase transactions, the borrower must be a first-time home buyer unless combined with HomeReady; for LCOR transactions, the loan must be owned or securitized by Fannie Mae.)- Two-unit principal residence to 85% LTV/CLTV/HCLTV with FRM/ARM- Three- and four-unit principal residence to 75% LTV/CLTV/HCLTV with FRM/ARM- One-unit second homes to 90% LTV/CLTV/HCLTV with FRM/ARM MH LTV/CLTV/HCLTV ratios principal residence to 95% FRM/ARM; second homes to 90% FRM/ARM (Note: 105% CLTV is not permitted with Community Seconds)    - One-unit investment properties: Purchase up to 85% LTV/CLTV/HCLTV with FRM/ARM LCOR up to 75% LTV/CLTV/HCLTV with FRM/ARM

With combining some simple door/window sensor, a smart thermostat, and a good web interface provider to combine this data you can have great peace of mind. 

Varun,two that come to mind are American Modern Home and Foremost but I'm sure their are dozens of others. 

I’m looking at combining hard money and gap financing.

Me and my wife combine currently make $55K a year which will potential go to $70k a year with my new job offer.

But with rule of thumbs like the 50% rule, it looks pretty good.I'm using a combination of the BP calculator and the 4 square method to analyze this, but I'm wondering if there are more experienced investors out there who could help me out and see how I can improve and what I might be missing in my calculations. 

It is recommended that the aluminum branch wiring be replaced with modern copper wire."

I concur you could get a commercial loan on the combined properties. 

When combined with the appropriate use of leverage, you can supercharge your returns in excess of 20% right here in the local market.  

I shoot for 1% rule combined with the 50% rule.