You can see how extended furnishing timeline to save money may not be the wise financial choice.- who lives in primary unit?  

For the most part, I deal with a broker that underwrites 40-50 companies, so we have choices and I can make a decision then

The problem for 99.99% of the tax sale buyers is that they have a budget and can only spend a certain amount of money... which can easily be accomplished from just a small number of tax sales in their state of choice.

Depending on the investor and lender you are speaking with, there are typically several options and choices.

Again, every single choice has its pros and cons.

I live really close to it and I was thinking it would be a good choice for me to start there as it´s cheaper than Barcelona and it also has an ok University.

The earlier you recognize this, the better off you will be in the long run "I was wondering if any lenders out here on BP are willing to play game...." is not the best choice of words.  

But we made one decision that history may one day show was the wrong choice--our rate is floating. 

Hard money lenders, familiar from your experience with flips, remain a viable choice, although they typically come with higher interest rates and shorter repayment terms.

Having an experienced agent on your team before the rehab i think is very important because it is during the rehab when they can help add the most value by pointing you in the direction of what adds value to the sale, what finishes to choose and what to avoid, even what color paints are a good choice, insuring that your target sales price is not just realistic, but that it can actually appraise for that amount.