Hml should not require that in advance. instead, if building new, reconfiguring, etc, something a municipality might not go far, they are perhaps looking for now security before purchasing. which of these sounds like what you've encountered? 

For example, they can finance up to 70% of the ARV meaning, if you have a perfect 70% deal (purchase price and rehab are withing 70%) they will cover those cost for you.you will still incur closing cost, taxes, and insurance cost though for example.True 100% financing (ZERO out of pocket) typically requires solid relationships with private lenders or a combination of hard money lender and private lenders.

FHA only requires 3.5% down for owner-occupied SFHs. 

However, these brackets are frequently pulled off by guests, leading to high maintenance costs.

That meant that a higher down payment is required to cashflow.

What you would normally want to do is establish your own escrow account for Repairs/Maintenance, as well as Capital Expenditures for your rental.  

Additional streams of income:1) Have mortgage broker present at open house (and charge them "$5000"%) to pre-approve those who want it (but don't make that a requirement to bid).2) Sell the bidder list to other investorsI have not seen any such ads in my area and I'm wondering if it's because this system is not effective or is it because nobody is utilizing it?

Commercial require you to have at least 20% skin in the game correct?

I mean which are the usually requirements to show to lenders?

What requirements do banks look for?