They typically don't look at your income or tax returns but will often vary what they can lend you depending on your experience flipping/rehabbing and your credit score.Many HMLs will have a minimum loan size, say $75K or $150K.HMLs will also usually still require you to have skin in the game, funding perhaps 90% of purchase or 75% of As-Is value whichever is less, plus 100% of rehab in arrears draws.Besides the down-payments you you also need capital for closing costs, Appraisal, rehab (if any) till the first draw milestone and of course for servicing the loan at least until you have flipped or stabilized. 

It should also be noted price per pier cost can vary different from contractor to contractor, from around $200/pier on the low end, to $600/pier on the Retail end. 

Rentals vary by area like every other city of course, but I've been able to locate some "1% rule" properties floating around town. 

Keep in mind that the advice you will see on here is based on regional markets and varying experience levels.

Each contractor will have varying amounts of overhead that must be accounted for.

It may vary state to state, but we're not able to share individual applications due to privacy.Any reason you need to see every application?

@Glen Gallo My understanding is the following:Federal long term cap gain rates vary from 0%-20% based on tax bracketCA long term cap gain rates vary from 0%-13.3% based on tax bracketAlso have to include depreciation recapture tax which I believe is 25%Commissions and closing costs are around 6% of sale priceLook at your return on equity (ROE) which is the NOI from renting the property divided by property value.

Your mileage may vary.

They can vary by state and by parts of the state.Right of inspectionAppraisal contingencyAbility to get financing Lead paint contingency Property surveyClear titleIn some cases - cesspool, well water, radon etc

I am keeping an eye out for buy and hold deals but know that rents vary wildly depending on where you are in town.