We use a separate account for the commercial products.  

You can also do conventional owner occupant loans at 5 and 10%, and generally I favor those because the costs are typically lower and you do not have to refi out to remove the PMI. my understanding is that with the FHA loan you will have to refi out into a different product to be able to remove the MIP.

I asked them how one of the products would work with one of my deals and the guy blew right past it without answering the question and sent me their application.

My bank offers a cool loan product and suggested I start using it to speed my process up.

I hear that there are commercial products out there offering 30yr amortizations. 

Just like any video camera but the finished product allows the viewer to look around while you move from room to room and narrate.

I commit to being a very productive and active member!

Lender will have limits and rules on hold backs and ask for more than the cost of completion if the product allows.

It is not the interest rate that will usually kill the deal (quotes between 10-14%) as you mentioned this is a way for you to short term finance the deal, but its points you will pay on entry and exit of this short term loan product that will cause things to get VERY costly. 

To get the best type of loan product, there is a 6 month seasoning requirement to use appraised value over sales price.