@Chris CoreYou're in a strong financial position, but since house hacking isn’t lowering your expenses in your market, it's time to pivot.

There are better options that don't have minimums.

My mark up is always lower than the direct lender because I don't spend money advertising during the Super Bowl or buying a private jet for my CEO, and we don't have layers of management we need to pay.

I'm an investor and mortgage broker and have options for loans that go as low as $75,000 and down payments as low as 15%, which makes it easier to stay above $75,000.

Are there any options out there that won't tear away the margin on flips?

@Louis Hamilton,If a HELOC doesn’t work, you might consider these options:1.

I also suspect inflation will drive continued migration to lower cost of living / lower tax states.  

But like @Henry Clark said and others in this post there are options you can consider.

One of the key challenges I’m facing is understanding the financing options available to someone without Canadian residency or a local credit history.From my research, it seems that a 35% down payment is often required, with interest rates around 7.5-8.5% for non-residents.

A HELOC offers flexibility and lower interest rates, which can be ideal if you’re looking for short-term financing with lower payments during construction.