Conventional loan How did you add value to the deal?

You can keep trying to market it by yourself, or if you are willing to pay someone to manage the property full-time or even have a property management company get you some tenants and you take it over from there, it just depends on your time and money and what you value you more. 

Getting about 20% net and IMO the prop will double in value over the next 5 years.

It sounds like you don't want to do much which also translates into not a lot of value add so you might consider a conventional loan and more of a turnkey option.

Now, they still could pencil... but you have to be more creative and have more of a value add strategy- such as forced appreciation, adding a unit, adding a level, MTR/STR, etc

Instead, appraisal costs may be deductible as a current expense if they are incurred for the purpose of determining the property's fair market value for a specific business purpose, such as refinancing or appealing property tax assessments.

Second appraisal came in as a c4 and at 240k value (woohoo 15k equity gain).After two extensions, a litany of repairs, issues with the four point and appraisal, I finally closed on the home 3/29/24.I put 5% down, expecting to get an additional 2.5% back from my realtors commission.

The house values are stable from last year.

This would be zero issue in Indianapolis and tons of normal conservative old school banks or credit unions would lend on this 75% of as is value and 75% of additional construction cost as long as not more than 75% after repair ARV.

Most banks will only lend 75% of a property's appraised value, so they give you $60k.