For most lenders and I think for Fannie Mae products you can't count commission in order to "qualify" for the loan, so you will need to have whatever requirements are necessary.

I would, however, recommend you talk to a lender and see if they have any products similar to the FHA.

What is one software/app/product that you wish you had?

There are two schools of thought on this, I've had plumbers (that sell the products) tell me how great moen are and how they have a lifetime warranty and how the parts are always available.

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.

With our product, it’s possible to acquire the property for $30K (20% down) and get the reno costs financed for $11,250 (15% down).

So these loan products aren't generally available, I assume?

The loan products are differentiated for a reason.

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.

You can always look at a portfolio loan product that is more asset based they will only look at the income of the property itself.