Collect a reasonable down payment to ensure the buyer has skin in the game. 

This community is the best and want to leverage the expertise and experience here.I know there is ARV-based financing for residential investment properties but need to understand how the lender actually lends money based on ARV.Example scenario for numbers sake (not necessarily a real scenario):$100,000 Purchase price$10,000 Rehab costs$170,000 As completed (as repaired) valuePrivate lender says they loan at 65%ARV or up to $110,500 in this example.BUT...the lender says they STILL require apprx. 20% (of purchase price) borrower injection from me or about $20,000.....the 'skin in the game' requirement from most lenders.My questions:1.

I have about $90k cash to work with so I'll happily put skin in the game.

I’m not a financial advisor or tax specialist, so these are some questions that you’ll have to ask those folks. 

Sit on hold for ages and ages and noone picks up or once someone picked up, I tell her I want more information on the process, she says ok let me connect you with a specialist, then I'm on hold again for ages??

They have a little more skin in the game, because they're going to be living with the property once it's completed.

There are definitely many craigslist back alley renovation specialists out there looking to do jobs, this just comes with the field you're getting into. 

Cheers  You should really consult with a cross border tax specialist to discuss your financial situation as it makes a difference depending on a number of factors.

DSCR loan) or even qualify without using a standard DSCR calculation if you have enough of a down payment/'skin in the game' (typically 25% down is what I see required recently if long term rents can't at least cover the mortgage payment including taxes/insurance/HOA). 

They have more skin in the game then you do.Make sure you get clear title.