Permanent debt commercial mortgages also generally will not play with an in-place DSCR below 1.25% (possible exception for very strong/experienced borrower, but such a person wouldn't be making a thread like this one, no offense. :).An interesting result of the 1.25% DSCR being more firm on the commercial side is that rent-to-price ratios and cashflows are better.

FHA has a standard 1.75% funding fee and permanent mortgage insurance.

.), and create plans for a compliant renovation.The 2019 pilot program you mentioned wasn't permanent, and the high costs associated with it discouraged participation.

There is no need to take unusual risks with your permanent residence or get involved with harebrained low-dollar lending schemes to make money, @Rob Titus.  

It doesn't, sadly, unless those materials are permanently affixed to the real estate

I have looked into construction loan to permanent.

The $100 per hour may be with a cleaning crew of several people so that may not be per man hour. 

Long term I want to fit a security system to the property, however in the short term I would like to add fake cameras and signs around the property as a deterrent until I have sourced a permanent solution.

Mortgage rates make buying a permanent residence painful and costly... 

I would prefer to do the upgrades so that it gives the property a permanent higher monthly income and hence higher evaluation if I choose to sell.