Then use a Fannie or Freddie product that requires a little more down, but still owner occupied so you have to live in it. 

@Kyle EdenThere are a lot of products for refinishing concrete surfaces.

USDA offers amazing loan products for certain areas for certain types of properties, might be worth checking their website.

Down side is it's a variable rate product which is tied to the Prime Index. 

the product you are looking for is currently not funding, I have talked to a few lenders that have said maybe in 2 weeks they can start, but right now all those loans are cut-off

@Peter Halliday- Hi what would you think is the best approach when making offers nowadays?

@Mike Marino it does depend somewhat on the loan product but yes, your finances and credit will matter to the bank on a BRRR refi, the amount it matters varies but it always matters some.  

But there are still enough essential employees out there working that you should be able to find someone as long as you have a quality "product" and competitive price.

Probably costs more and takes longer for an inferior product too.I think the formula that could work would be a consortium of various professionals from various professions working together to offer what you are envisioning.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.