75% LTV on a second home cash-out is pretty standard across the industry right now.

This was a standard sale listed on the MLS.

We’ll go in and do a standard unit turn with maybe some light renovation.

Well, need to stop relying on the sites to tell you as you have discovered they are often not in agreement and in more frequently wrong. 

@Sharon F Bondurant Here are a few policies/coverages that typically are not included in the standard Rental Dwelling policy.1)  There are 2 policies, General Liability and a Pollution policy that could respond to your claim example ("I got sick in the home and it must be the air from the air ducts").Your current policy should already include General Liability (GL). 

The permit application for landlords would include a completed self-inspection checklist certifying that the unit complies with the standards in the ordinance (including energy efficiency standards for attic insulation and attic access and efficient shower heads, faucet aerators, and toilets), documentation of maintenance of the HVAC system, and payment of a fee, which will start at around $70 per year.

I've reviewed several of these expensive programs and I've discovered that ALL, of the information can be found in books.

This is the snippet from the Massachusetts standard Purchase and Sale agreement that outlines the treatment at a high level.

Although I agree that it is standard for anyone over 20% equity to have to sign on the loan, as you said maybe there are lenders who are more flexible.

First I would like to see how much I can borrow for a house hack or just standard rental property investment and see what my options are.I’ve got about 30k +30k loan on my 401k.What do people recommend?