Instead they go about it a** backwards and add more red tape and more complications costing the city and it's residents more money

For a 30 year Conventional loan, I'm at 6.5% rate (6.808% APR) for a duplex, 95% LTV, 780+ FICO, owner occupant.And I'm assuming they're paying $2k of your closing costs - not your down payment.

How about opportunity cost?

The forms are online, and it costs $100 per filing. 

That way the lender has an idea what it is you are doing and cost.

Turbotax isn't going to educate you so unless you'd like to educate yourself and potentially make some costly pitfalls, then I'd outsource.

What's the location, purchase price, expected Reno cost, ARV, etc.?  

I wonder Trumps thoughts on the affect of Tariffs and the cost of materials.

These cost-effective renovations made the home more attractive to buyers and increased its market value.

Purchase properties at a discount that need renovation work to then sell at a higher price profiting at least 15%+ cash on cash returns of all in costs each deal.What is the outcome?