Most of those loan products are stated income so there is no income verification 70% to 80% LTV is the standard for new purchases- (You did not mention credit but there will be credit score min requirements for these type of products)

Once the property is in my name free and clear are there instances where banks will view the property as an income producing asset and lend the renovation cost just using the property as collateral rather than require down payment for the loan?

This was developed by one of our awesome product managers, @Vivian Killin .

I investigated multiple products and to me Stessa made the most sense. 

Since your second home will be your new primary, you will have the same loan product available to you as you had for your first home.

this is laborious, im gathering quotes for 2 rentals, our primary, an auto policy and we want to add an umbrella. everyone has good prices on product A, terrible rates on product B, i try to cherry pick, then they say i cant get an umbrella policy unless i get every policvy written by the same person.is there anyway to shop this out easier and get everything under one roof?

I'm just learning about these products.

Never seen a generic-branded product in that house.

There are ups and downs to every loan product.

@Tom Kelly if you know the product you need but just need it in a specific state try posting in that state forum.