@Nicholas MaclureAmortization table is what you but I hope this is not owner occupied as if they dispute the debt and get an attorney there is going to be a lengthy and costly battle.

For reference, here is a table of Fannie Mae's loan level pricing adjustments applied to the base rate in the form of points: display (fanniemae.com)Of course then arm vs fixed and whether or not it is even a conventional loan come into play on top of those variables. 

The question is1) how much money I should bring to the table for construction loan to be approved?

How can I bring value to the table?

You need to define your goals and list what assets and skill sets you bring to the table before talking about strategies.

We brought acquisition funds, soft costs, and interest carry to the table.

Meaning, a 30YR fixed often can get you the same rate as a 5YR or 7YR ARM, depending on the deal (credit, DTI, loan size, etc...)A 10YR ARM will never beat a 30YR fixed with rates the way they are, so that would be off the table. 

@Colby Zeller FHA has standard table to calculate MIP on Loan to value  and type of amortization.

@Ty Umondak what would you be bringing to the table?

@Jason Hirko @Charlie Fitzgerald  So for those who do a partnership or JV, and one partner is just the equity guy providing the down payment funds, and maybe the other guy brings non-monetary resources (he can do the rehab, or he can manage the finances, etc) and other value to the table... in this case, the guy that just brings "other added value" doesn't have any skin in the game either, if the deal goes south, right?