I worked with one lender who did NOT require title insurance on smaller loans under $75k.

Hi Forrest,Our office is in CA but we can do flip loans in most states including VT!

Legal entities aren't qualified for conforming residential loans.

For this, I will most likely need a Hard Money loan and/or Bridge Loan on top of a Conventional Loan.Does anyone have a solid spreadsheet that I can calculate multiple loans within one cash flow analysis? 

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

With my home now valued at $1.35 million, this could translate to $1 million.With the $1 million, I:Cancel the construction loan ($600,000)Get back initial land investment ($200,000)Reimburse the interest paid on the loan ($60,000)Plus,  I'll have an extra $140,000 .In essence, I not only recover my entire investment but I also put some money in my pocket.But the story doesn't end there.

OR you can take a smaller loan and leave more money in the deal to increase your cash flow due to the lower mortgage payment.How do you guys navigate this?

The single payment will cover both the original loan amount and the additional cash-out amount.HELOC might be better if you need intermittent access to funds, while a cash-out refinance could be more suitable for a one-time need with a clear purpose.

This strategic move paid off handsomely as we were able to command higher rents than initially projected.Here are the key financial details of the deal:Purchase Price: $270,000 (jointly with a partner)Financing: Obtained a commercial bank loan with a 30% down payment, 7% interest rate, and a 20-year amortization period.Initial Rents: $1050 and $1250Current Rents: $1400 and pre-leasing for $1500 (making it a 1% rule deal!)

Anyone has experience with this loan?