In the program, it appears that you offer a Pre-Loan Application-- perhaps this is how the program is legal?

I came across The Investors edge that offers 100% financing as long as the all in cost is 74% or less of the ARV.

Nice…You can’t offer less for a property full of fire rubble (lead and asbestos?)

The Midwest, including cities like Detroit, offers some of the best opportunities for affordable properties with strong rent-to-price ratios.

Traditional deals often don’t excite investors—offering $200/month in cash flow isn’t very compelling.But with co-living, you can offer 5X the returns, making it much easier to secure funding.Now, instead of asking an investor to put up a 20% down payment for $200/month cash flow, you can pitch them a 5% down investment yielding $1,000+/month—a much more attractive deal.Why Co-Living is the FutureCo-living isn’t just another strategy—it’s a high-demand, high-cash-flow, lower-risk investment model that aligns with today’s rental market trends.

These properties tend to hold value better and offer stronger appreciation compared to duplexes or small multifamily units.

I suggest submitting offers where the numbers work today.

Note: The BiggerPockets Calculators do not offer me what a goodl ol' fashion Excel spreadsheet might.

How much can you budget for furnishings and all kitchen items and creature comforts for the ones you want to MTR.If you have a vacant 6-unit, you have great possibilities to try all strategies.

These markets offer a great mix of affordability, strong rental demand, and steady appreciation.