Commercial loans: Are you able to package properties under a commercial loan?

We purchased a roughly 1000sqFt house and had plans to add a kitchen, door separating the upstairs and downstairs, and other elements to the basement to suite it.

Then the relief package became available.... 

@Mohr Ben-Reuven - "The Real Estate Rehab Investing Bible" by Paul Esajian has a great overview of the elements associated with a rehab and general costs.

Most properties in the areas I am interested in, can pencil based on the T12 (although make sure you adjust the taxes to your purchase price when analyzing) but are killed with deferred maintenance: roofs, furnaces, windows, exterior maintenance, unit remodels, etc are never remotely accounted for in sales packages or pricing.

Property location: Salem, MA- Elements Financial: 4.25% (intro 1.99 6 Months) 167,000.

With that said, is there anything that can truly be done to find an off-market deal (this market is HOT), or just sit and wait for my realtor to bring us a property.I will be using an FHA loan, so I know that will add an element to finding a suitable deal.Thanks for your time!

All Star Plumbing, Eloy Jimenez, and Benji Molkzyk all helped with elements of the rehab and their work was beyond amazing.

However, I've made a goal to purchase a property this year, so joined BP and have been analyzing properties.I see there are properties where the seller is packaging multiple locations or willing to do so.

Purchase price: $75,000 Cash invested: $6,500 Sale price: $105,000 Three Home Package seller-financed on a 10 year note at 4%