All of your reserve percentages are too low.

The properties I have been analyzing seem to have a low percentage based on the asking price.

The interest rates are higher than conventional loans and a small percentage of the loan called "points" is paid on closing.

Is there a rule of thumb as far as percentages?

I am interested to hear what percentage of deal you typically like to buy as an investor for a flip property.

I was thinking 12% interest, and a percentage in the ownership of the deal? 

You can interview other agents.However, in reality, there are a good percentage of agents that either 1) Will not know how to analyze investment 2) As you said, are not savy with off market 3) Are not familiar with real estate investing in general.Not to say they are not great agents in finding a home for the general population.

How many units is this property, and what was your down payment percentage....there is a lot here not adding up. 1 unit FHA loan limit in DC is is lik $725k, so even at 10% down, we are talking about $800k property max on FHA.If its 3/4 units, these properties are not going to meet the FHA self sufficiency test.

I am asking this question to see who out there has an idea as to which banks may require a low percentage down to purchase my first property?

The units are completely renovated so I was using low repair and cap ex percentages.