I had been under the impression that there are products out there where you can put 10-15% down to get in.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Unfortunately there is a rate adjustment adjustment between 75% and 80% ltv on almost any product.

I wasn't sure if the loan product matters.

When they hear Wholesaler they think in the wholesalers who supply retail stores with Products.  

Yes there are products that can up to 80% LTV for DSCR with 6 months reserves.

In addition being able to do your own searchs and one thing out west here that was very productive for us/me was just going through the big Plat maps ( the actual mylar / paper ones in the day) We could find shadow plats.

Are there lenders that will lend on the product at competitive rates that are similar to current 30 yr sfh amortization?

I would find all of the places in my area that posted apartment listings and literally put my listing there and pay for any advertising product that was available to push my listing to the front. 

Cross border taxation is very complicated, most developed countries like the US and Canada have sophisticated systems to ensure their residents pay taxes, and you are not likely to be able to achieve your goal of not paying Canadian taxes on Florida income while a Canadian resident.