Would a 203k loan work in this situation or do I have to apply for a personal loan? 

I have a prospective tenant that filled out an application.However I need some advice on qualifying this individual.The current rent is 3600The applicant is a family The Spouse doesnt work The main applicant gross W2 income is around $10000 monthThe monthly net income is $5700No car loan's No credit cards balancesThey pay $800 month on a personal loan.Since a rent check is written after net income is received.

My current home loan is a heloc and its pretty much maxed out from using it for a down payment on the first property and its also climbed to 9% so I  need to get it redone to a traditional mortgage and get the rate down on it.

Be sure you have the tools necessary to manage the loan properly.

I worked with one lender who did NOT require title insurance on smaller loans under $75k.

Hi Forrest,Our office is in CA but we can do flip loans in most states including VT!

For this, I will most likely need a Hard Money loan and/or Bridge Loan on top of a Conventional Loan.Does anyone have a solid spreadsheet that I can calculate multiple loans within one cash flow analysis? 

Legal entities aren't qualified for conforming residential loans.

OR you can take a smaller loan and leave more money in the deal to increase your cash flow due to the lower mortgage payment.How do you guys navigate this?

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.