FHA does allow 3.5% on their renovation product (that product is a little challenging) and the conventional reno loan is 5% on a Single-Family home.  

Properties listed for sale in the six months preceding the disbursement date of the new mortgage loan are limited to 70% LTV, CLTV, and HCLTV ratios (or less if mandated by the specific product, occupancy, or property type – for example, 65% for manufactured homes)"... https://www.fanniemae.com/content/guide/selling/b2...Is the higher 75% LTV ratios that you mentioned only referring to SEASONED (SFR) refis?

I know interest on a car loan is relatively cheap (assuming your credit is decent) and that HELOC is a variable product.

The finished product will be to sell retail.

@Justin Myers If you can be more specific regarding what area or areas, of Real Estate Investing, you wish to pursue, you will receive more productive and tangible feedback that will permit you, to move forward having a certain level of confidence and certainty. 

Every project, I learn something new (Either about the business of contracting, financial products, Title companies, Tenant screening, and the City).

I've done this with 3 properties now and I always get multiple qualified applicants, willing to pay slightly more to me (vs. another landlord) because of the service and quality product I deliver.  

Airbnb has advanced their product to work alongside regulations.

I hope showing both sides of the argument is helpful; I don't think people telling you what to do is productive. 

In anticipation of this, I am trying to connect with local banks that have Commercial loan products that would allow us to do a Cash out refinance.