The rental has quite a bit but it's at a 2.875% rate that I wouldnt trade for this deal.

They are offering a 12-15 month 0% APR Credit Business lines, isn’t hard money usually a higher interest rate?

Their interest rates will be higher and they collect origination fees so the purchase price of the property is key and determining your ARV. 

Once you understand a little more about the legislation and laws in place the tenant laws will not be so scary.For a 10k a month cap rate you are looking at inventory that would either be a luxury single family home or a multifam that would be 4 or more units.

$75k is best used for another house hack that way get a better rate and lower down payment meaning can put some of the money in rehab.

Currently, I'm only offered 27 hours of work per week at an average/below-average pay rate, which isn't nearly enough to save for a down payment or qualify for a loan.I've tried selling belongings to generate extra income, but it's not sustainable in the long run.

.- Only allows Rate/Term but we could add a HELOC on top of it to access cash in this instance up to 95% CLTV.Long story short, there are ways but you'd have to get creative and be over 62. 

There is a drop down with lots of options and if you select "no central heat/air" you can't get insurance from most companies.

You can also get a lower rate on a 30 year fixed and even though its a 30 year loan there is No prepayment penalty so you can pay as much as you want but not obligated to pay more.A Heloc is a credit risk and can "never" be used as an asset or PITI reserve which is required when buying additional properties.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.