Some/many lenders don't like a 2nd mortgage behind their first (like the skin in the game), however there are both bridge or permanent financing options out there allowing you to leverage anywhere from 90% CLTV - 100% CLTV, but don't expect good terms...

You will not be refunded any of the UFMIP if you refi unless you refi into another FHA loan, in which case you will receive a partial credit based on how long it's been.

The goal is to start building long term relationship with, so any names would be appreciated. 

Instead of paying into someone else’s property, you could be using that allowance to finance your own real estate investment.In Germany, you have access to a stable market with long-term growth potential, and U.S. service members and government civilians have unique advantages here.

I am wanting to get into fix and flips and eventually long term rentals. 

The long hours and dedication will pay off as you learn the ropes and prepare for your first investment.

So, an investor could easily cashflow right away.Those days are over.Landlording is a long-term play.

Alternatively, DSCR loans offer long-term financing with lower rates, but they come with more complex requirements.

As far as the bedbug cost, I would consider how long you are willing to let the place sit empty. 

It was purchased from MLS as a long term buy and hold rental.