Typically, I would reach out to an interior designer or an architect. 

The lending terms (specifically the down payment requirement) are generally much more favorable for an owner occupant and you can always convert it to a rental property down the road.Good luck!

I want to purchase my primary home there with creative financing options, because like all of us I want to set more favorable terms than the traditional lenders can set.

My question is, typically do banks lend on primary/investment properties with such a high price? 

A balanced market is typically around 6 months of inventory, so a lower number represents a seller's market with limited inventory.

but long term.. the only one making money here is the guy selling the so called system 

You are buying their terms and their contract along with the property.

I am liking what I am reading as far as the terms and options are concerned with Quickline Capital.

What is the real benefit of claiming your short-term rental income in Schedule E?

For example, if 3/1 in an area typically sell for $200k per home are their any listed at $150k or below because they need work/rehab?