Frankly I See no value in joining the club ,the expense the training having to disclose I’m a realtor and forced to follow the restrictive guidelines standards set by a over reaching national liberal group ( NAR) controlling my moves .

Fannie/Freddie guidelines require you to have PMI on a loan with less than 20% down. 

Check with your refinance lender to see their guidelines, but if they go based on Fannie Mae's without any overlays, that would be the case.Good luck!

Again this is another example of what lender you should be using to avoid strict guidelines. 

The “$20 per sq. ft.” rule is a guideline we use to give us an idea of what it will cost us to fix up a house.

Sometimes, sellers can shy away from government financing like FHA, VA, or USDA since there are slightly stricter guidelines and requirements on the appraisal component. 

The loan would be 100% which goes against their guidelines.2.

Anyone from Canada have some general guidelines or templates that they use for wholesaling?

:-p  Top all of that off with Governor Newsom's implementation of blatantly crooked regulations, laws and guidelines, well I just really love it here.  

This will Obviously be excluded from any title policy you’d get...this is a pure gamble.