I love how Brent Daniels breaks it down in this Youtube video: How To Come Up With Your Offer Price | Brent Daniels LIVE

She actually found this house on accident as she was driving to do a video walkthrough of a house that I was later outbid on, and when she sent me the info I knew she'd found what I was looking for.

@Orwin Smith if you know the product you need but just need it in a specific state try posting in that state forum.

The good news is there should be products still out there. 

But as I watched more videos and podcasts and even started looking at the numbers, I think im leaning towards buying a condo here in miami in the city to rent out.

If I understand what you're describing, it sounds like your lender is being particularly aggressive and probably does not want you to refinance out of his/her loan product, though that is your choice.

The smart thing to do on your end is take a lot of pictures and/or a video documenting the condition of the property.

If it is now finished, then I would load it up with 50-100 pictures of the finished product, including interior photos.Why has price gone up $500,000?   

The best rates come mainly from the company they work for and their associated programs/products. 

Local lenders with credit unions may have quirky loan products that you wouldn't find at a big box lender but this is not always the case.