Comparatively to the markets in California and NYC, it is much harder to cash flow with how inflated the purchase price is of most properties in these markets vs properties in Philly. 

If you are really trying to determine how your cost and margins fare compared to other builders, you had mentioned some of the national production outfits for instance as possibly benefiting from lower cost due to scale.

Something just doesn't add up that this small, bedroom community would show up on this list compared to a Columbus or some of these other larger and more attractive metro areas.

Like a hard money lender would do.

Some lenders will up to a 95% combined loan to value for a heloc assuming credit and income are strong. 

Hi Arvin, On a 1-4 unit property, many lenders will allow up to 85% financing for an investment property purchase. 

In fact with a slightly higher credit score and full documentation income lenders are going to 95% CLTV..SFR not condo..check in with @Joseph Chiofalo he's helping several clients with cash out HELOC's and fixed seconds currently. 

Does anyone recommend any lenders? 

Try a private lender  and a Joint Venture

I am an investor and lender in the Florida market.