With the speed and efficiency of computers (especially in the future) .....

Are there any good design programs on computers to help design fix and flip houses, apartments, etc?

To do any shared appreciation agreement in connection with a loan or subject to a loan being made, you will still be in viloation as the Truth In Lending Act requires all loan expenses or other charges made in connection with the loan be computed for the APR, and it will be generally be the APR that any usury rate will be applied to.

Especially when there are new developments in the area yielding a much higher return, for barely leaving their computer. 

They use them more like computers than phones.

The data I am using to compute insurance premiums is averaged at the state level.

I know how to use the computer to Search for my own Deals and Google Map to save me the time to drive over to inspect the neighborhood and outside conditions of the property etc.

Regardless of the system they are temperature sensitive, so you have to treat them like a computer.

One of the main things they do is allow the lender to use alternative methods to compute income like 12 or 24 months bank statements.  

So check those out.Discover and Barclays overnighted my card, and AMEX gives you the number right on your computer screen and says you can start using it immediately.