So even if I find an EXCEPTIONAL deal I will still need 20% down or so with this Fannie Mae product.

Can anyone recommend an insurance broker/company specializing in insurance products for Fix & Flips or a work around?

@Corey Duran call all the banks in you area until you find the one with the best interest rates and loan products that align with your strategies.

The terms right now on hard money are not as rough as they would have been in the past, and in addition you can get different loan products depending on what you are doing.

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThe site has quite a few tools that can be helpful for new members.

Cash-out refinance pros: interest rates tend to be lower than HELOCS, you have the flexibility to do whatever you want with the proceeds, interest from the mortgage may be a tax deduction, and there are multiple types of loan products and structures to select from. 

Because of the ice storms in Texas and North Carolina and across the country in several states, we're gonna see a restriction with workers being able to complete houses and product and get it to the market.So what that means is that you're gonna see massive restrictions on supplies and inventories.  

A physical asset that is reliable and with positive returns.

My personal favorite loan product right now is DSCR loans.

This method works well if you are purchasing a product that is very uniform.