I like to have some padding so I'm not slowing the job up to get money to pay for things.Lets look at the exit:Purchase: $70kClosing costs: $1kRepairs: $20kHolding costs (6mos): $7500Total in:  $98,500Sales Price:  $130,000Less Total in:  $98,500Les RE Commission/Sale Concessions:  $9,500NET PROFIT:  $22,000Hypothetical numbers on the ARV and repairs of course, but the rest of it is pretty realistic.

The Premier product was far superior, both in finish details and how it arrived. 

But according to this article one of the sources to buy an investment property is slowing down.

However, I have read some articles saying that although the market is slowing down there is still small room for growth and soon we will have a more stable market.Can anyone fill me in more in depth in this topic?

They have slowed down a little but some are still buying. 

Other than that, it is the same product you would have from a mortgage broker or bank.There is one loan product for any SFH or multi-family, 1-4, purchase. 5+ units moves into a different product; commercial, I think.Pretty sure you cannot combine two loans for a property, but your idea of using the second for upgrades or rehab might work.

The only reason some people purchase Dun and Bradstreet's Credit Builder product is to allow them to add trade references to their credit profile.  

But there is another issue here... not all "scores" are created equal... you need to check the score that banks are actually using, for the product you are trying to get.

Are there any products out there that I can install so closets/doors cannot be slammed?

Appraisals are also slow to keep up with any price depreciation--the city/state doesn't want to go out of their way to reduce their tax base.