The proposed cat is fixed so it's not that extreme, but I don't want to let it in if it's going to ruin the most beautiful feature of the apartment the first time it gets a urinary stone.

I was extremely naiive at the time. 

It wouldn't be crazy to agree to pay more than the appraised value, but that methodology can be taken to an extreme (and often is with turnkey companies dealing with OOS investors) because . . . they know they can?  

In all cases, the properties have to be stabilized (no current construction and leased).Rates and fees are higher than Fannie or Freddie (that's why it's always better to exhaust your conventional sources first), but if you don't qualify, and from what I read, you won't, these are the next best thing. 

I have purchased vacant home insurance before when not flipping but when getting ready for tenants, and it's generally extremely expensive, I had one policy that was about $300 a month for a SFH (we only carried it for 6 weeks and then switched to landlord.) 

They are extremely flexible and can be very be very powerful.

But to make it worth a $100k property with those few repairs is extremely rare.

If that fails then I believe we've at least exhausted our options. 

It is a 14x66 - 2 bedroom, 2 bathroom home with a 12x18 3 season porch.This home is extremely clean.

I applied for my first HELOC today.It's for my house hacked property and the first step is the appraisal.I am a firm believer the some investors can be extremely annoying and demanding to others compared to home owners.