Spending the money you are talking for a system that will add minimal value is not where you should be spending your money for a flip. 

You can get creative with recasting mortgages, refinancing, etc. but at the end of the day these things cost you money. 

I will then place that in a money market or something that earns 3-5% interest to account for the inflation mentioned above.

There are a lot of ways to make money in real estate just because you haven't done it that way yet doesn't mean other people aren't profitable. 

This step prevents us from wasting money on inspections if the seller is not willing to adjust the price.

Or it sounds like an FHA loan will be the way to go, unless I look for private money.

Hard Money How did you add value to the deal?

The money was transferred digitally, but not part of the loan.Thank you!

Yes, but STR rarely loses money, unlike long-term rentals.

We are planning to start our first few properties with cash so we don't get burned on hard money interest payments since it will be after work and weekends we are working on the project.