In terms of the title, you can go in together and the loan can be under one or both people depending on qualifications.

A married couple in their 70s that have previously owned homes for 40+ years and are now retired with no debt, no kids, and 50 years experiene as adults should not be looked at the same as a boyfriend/girlfriend in their early 20s that have never owned a home or rented together before, still paying student loans, living paycheck to paycheck, and financing that 2018 Dodge Charger in the driveway.

Right now DSCR loans are an option along with your 10 loans for fannie freddie.

AFRs change monthly and can be found here:https://apps.irs.gov/app/picklist/list/federalRates.htmlYou need Table 1 from the monthly Revenue Ruling.Currently, the rates are around 1% or below, depending on the term and size of the loan.

I could be mistaken, but the VA has a Construction Loan, not a Rehab loan. 

Is there any property loan that offers no or low down payment for veterans?

Lets say someone buys an apartment complex for 6 ml for cash.How much should they add for the closing costs if no loan needed?

I am not aware of anyone providing a HELOC up to 80%.

If you have performed rehab, my favorite programs offer both no seasoning and 90-day seasoning requirements to use the appraised value as the basis for your loan.

More on DSCR loans:DSCR loans won't use your income to underwrite the loan.