I personally am a huge fan of wonky strategies in alternative investments.

Thanks for the alternate options, was thinking maybe a stager might have one.

I agree with Account ClosedTake this form 1003https://www.dropbox.com/s/lgtn...That is a standard mortgage pllication for federal mortgage applications.2 years tax returns.That should be enough for a conversation.DTI - Debt to income: big deal in mortgages.See http://www.fhahandbook.com/debt-ratios.php``````````````````````````````````````````````````````````That said, in OK land contracts are a good alternative to a mortgage.https://www.ok.gov/OREC/documents/Seller%20Financing%20(11-2015).pdfThe link above is a Seller Financing addendum for OK.I love OK for investing.

Alternatively, what is the best practice for calculating this rate from raw data?

If no credit score, you can still get an FHA loan using alternative credit, such as rent payment, insurance payment, mobile phone payment, utility bill payment, etc, but you will need to find an FHA approved lender who will accept alternative credit. 

What sold me was the calculators + the treasure trove of back material + potential for mastermind access.

Appreciate any insights into alternative financing or input if what we have in place is "ok" for this type of property.

Once you know what's being used, you could now look up the prices (hardwood floor on Home Depot, for example) to get a rough idea of material costs. 

Do you have an alternate source of financing?

OR the alternative, take some appraisal courses and learn the methods.