Our architect supports us withholding the last 10% of payment, stating it’s customary.

We are a consumer society.

Consumer, this was totally unexpected, no way we could have foreseen this, totally a surprise, but let's talk about a 30YF"), surcharge them a bit on the 30YF (what they do qualify for), to subsidize the very small minority actually getting the 15YF.

From a consumer's perspective it might seem unjust but that is the agreement you entered when you chose to purchase the nights at that property and should have done the right due diligence.

If the property can cashflow while supporting the note I think it would be smart to access the equity you need and keep the house.

IBuyer programs are "instant" or technology enabled buyers who purchase homes from consumers without placing it on the open market for price discovery.

No use in looking at a $2M facade makeover if the project only supports $1.5M.Understand there are product shortages right now...if you cannot get the Moen Commercial faucets the Architect speced at $X installed can you get Koheler faucets at $X (x) 3 installed.

The ARV just doesn't support the cost of the repairs and the rents aren't high enough to cover the higher mortgage at the time of cash out. 

I would be willing to attempt a full gut if there were enough potential profit because I have a lot of family support in the area (my father does flips). 

I'm having a hard time following your math/logic/narrative (could be me)But:  I would say, why not start small-  a HELOC is flexible, so take out $50-60k,put 25% down on one property that cash-flows and can support itself and the HELOC payment.