As a note, residential properties typically are not evaluated with cap rates, but I think you may have been saying a 7.5% cash on cash return or ROI.

In my experience, most lenders cap at 75% LTV, and even then, it can be tough to pull out enough equity to get meaningful cash at closing.That said, I’ve noticed a lot of investors, myself included, facing cash crunches lately.

Some sponsors tried to mitigate the risk with interest rate caps but these can't handle unlimited rate rises, and some found that their strategy blew up on them. 

What flooring choices are best bang for buck in each area of the house?

Cap Rates in the area.

I initially intended to put down $50,000 to get a sellers concession where they would cover closing costs and a 2-1 buy down (we have to put down 10% or more down for the seller to be allowed to give us that that amount concession, around 5.8% off the purchase price of $484,500, seller concessions are capped at 6% with a 10% or more DP).

You are correct that insulation is almost certainly a bigger bang for the buck in a heating climate.

The manual entry of numbers has moved to an automated model with accurate ARV, Cap Rates, etc.  

I always say 'I don't care what cap rate I buy at, I care what cap rate I can turn it into'I built Market Analysis and Sales Comps tools for my local SoCal market that will let you analyze the current or terminal property & units, from wherever you get your deals from:Sales Comps & ARV estimate:Sales market analysis:Rental market analysis:Would love to discuss how to make your extension that much better!

I usually have a baseball cap on.