Yes it is factored into the loan and you are paying for it so you might as well use it.

But I captured equity at purchase then more quickly through value add then refinanced into long term loans before the balloon.

Different loans, different lending standards, etc.

Rest assured that you don't need to bring all cash to the table on a fix and flip and we can assist you in closing the loan.

Coventional Loan

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.

Or do the lenders require that I establish primary residence first, before getting an fha or a fannie mae loan for a primary? 

I understand that residential rental properties can provide positive incentives through loan paydown, tax incentives, cash flow, and appreciation.

For the previous 2 homes I own, I had my parents cosign the loan and that's how I got approval for each of loans, 1st primary residence in 2021 and 2nd in 2024.

With only a $50 or $100 origination fee, and "essentially" not losing any money to an interest rate, TSP loans are probably one of your cheaper loan options out there.I just took out a 40+k loan from my TSP to invest in other ventures and it was a very simple and straightforward process.