Jennifer C.I house hack and have a multi family in Prospect Lefferts Gardens.I know nothing about flipping other than it takes a lot of money to rehab the brownstones/limestones in bed stuy.

I have a bit of an unusual scenario...

Every lender will have different requirements such as: dscr, seasoning, location, FICO, etc...Loans are unusually 30 year am with fixed rates for 5, 7, or even 30 years. 

Is this an unusual situation like an empty house or a in-progress rehab? 

DTI to 50% isn't a huge deal -- most lenders will leave a little buffer in there for preapproval purposes, maybe go to 47% or 48% to account for unexpected HOA dues, rates changing, unusually high property taxes for the area, homeowner's insurance coming in higher than expected, etc.

It is not unusual to find those construction management fees plus their holding on your draw. 

A number of people have posted that they are seeking a lender who will do a 90% HELOC, so one that offers 100% is unusual. 

The only times I've used the hinge ones is in very unusual circumstances, like the door opens to a glass front built in cabinet.  

I really think that it's unusual for the first deal to be the winner so chances are you are just at the start of your search.

OTOH, if your loan balance is more than the place is worth (not unusual these days) and you don't have cash to make up the difference, then the creative techniques might allow you to sell the place without coughing up any cash.