203k has limits on what you can fix - sounds like your list is fine. 203k you are stuck with 1.75 mortgage insurance until the value goes up enough to refinance to conventional- thats the big $ difference. 203k allows lower 580  FICO score and I can go to 49% back end ratio if you have combo of 12 months reserve money plus FICO 660. 203k 3.5 % down.

We used a conventional construction loan to finance and rehab the property.

In my experience buying properties using conventional personal financing, my lender required two months of bank statements with an explanation of any large deposits not coming from a W2 job.

Private lenders should get all the same docs in a transaction as a conventional lender. 

The few that I've talked to do not lend in CAHow much higher of an interest rate can I expect when compared to conventional loans?

Purchase price: $50,000 Sale price: $90,000 Purchased for $50,000 (conventional financing) in September 2020.

3% down conventional loan from AZ credit union.

@Damarea Smith Are you looking to go conventional?

Financed with conventional loan How did you add value to the deal?

How ever I would stress that you refinance that property should that issue arise to remove the FHA mortgage insurance and convert that loan into a conventional loan.