First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Veritex, Texas HELOCHanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.

In regards to repairs, that's a different loan product -Rehab loan programs provide funding for repairs and are ARV based. 

I've learned how to underwrite product, have leads; however, it's the negotiating process, and finding partnerships or qualifying for financing that's been the intimidating part. 

So what are some good product or systems?

Depending on your product, it will say how much deflection it will accept in the instructions/prep.

One thing to keep in mind as you said FHA/VA; they’re very very different products outside of being government loans.

Your particular DM "effort" had not been presented previously,  but it's easy to see why it did not work out as others have pointed out.I'm sorry you way overpaid for your list, but most can tell you just one and done isn't going to produce much...what we're talking about is not much like a vending machine; more like farming.

If you wait 6 months, you do not have to produce receipts and payment to contractors for repairs.

Depending on what you intend to do, I'm sure there will be a market for the product.

You’re going to need to find something transactional to produce the income you will need to do what you want to do.