You cant just straight up finance every single cent of a purchase transaction - there are typically downpayment requirements and closing costs than cant be rolled into the loan.

The first thing I ask them is:  "Did you by chance purchase the insurance when you booked"  This puts it back on them because they do in fact have that option.  

Exactly I agree with Shanequa, typically 70% minus repairs. 

I need to talk to someone about the smartest way to do that financially -- we have some options.

Typically, on those type of deals, you'll be looking at 10% down minimum.

now for sure the tenant is being a typical tenant and why me personally dont like to deal with tenants the juice is not worth the squeeze.  

interest buydown, home warranty, closing cost assistance and seller realtor can offer bonus incentive to realtor that brings buyer . another option is to rent and refinance it 

I want the HELOC option because the funds are readily available whether I want to use it or not.

For those with higher capital reserves and down payment percentage, assuming a pandemic era mortgage (typically from 2-3-4% can dramatically reduce carrying or mortgage costs.

There are a few Categories that I have broken into their own calculations considering there may be cost savings depending on strategy employed.A flipping spreadsheet should have line items for every potential renovation option and the things needed.