This will vary depending if you include only hard costs or add soft costs, land and financing.  

I'd be interested in taking a look at your condo as a purchase as well depending on location, etc in town.

I don't think there are too many hard money lenders out there lending more than 95-97% LTV which is where your conventional/FHA loans are going to max out depending on your scenario.

I really wanted to do fix and flips or BRRR strategy (depending on exit conditions after updates), but the agent I'm working with seems pretty skeptical on it.

Depends on how much $$ we are talking...... what's your time, effort and stress worth vs the $$?

It depends on the quality of the rehab.

Definitely very high for owner occupancy by me. a friend of mine literally just locked in at 3.5 on a 20 year yesterday.Of course it depends on your credit, etc.

Depending on the above answers I will end the call or continue.

It is in a blue collar neighborhood where houses are selling from 80-90 depending on amenities.

In 3 words, "The American Dream"Legacy of financial freedom and independence for my children.I grew up with extremely dedicated 1st generation immigrant parents who sacrificed a tremendous amount of their life for their children and no amount of money can replace their love and hard work for my sister and I.However, as they face retirement - hard work was not enough to keep them from depending on government social security and their kids.