I do realize there are exceptions and some sub to may offer low down payment but I suspect by the time you limit to sub to and low down, you are likely at 0.1% of offerings. 

@Geoffrey Paugam- agreed ...if you are  needing to use financing to purchase - make sure to have a full loan pre approval in place  before searching / offering for a new place . 

This will be subordinate to the existing FHA loan, but you’ll need to qualify based on your credit score, income, and debt-to-income ratio.Home Equity Line of Credit (HELOC): A HELOC could also be an option, offering flexibility in how you draw and repay funds, though it might come with variable interest rates.Balloon Payment Loan: This type of loan can offer lower initial payments with a large lump sum due at the end of the term.

Then I have to go for HML, with high interest rates and 12 month repayment period.

Some hard money lenders may offer better leverage but the interest rate and origination fees will be higher.  

June Is Bustin' out All Over: June typically sees high temperatures rise from 95°F to 100°F by mid-month, with the record high being 117°F.

Here are the basic steps I take to estimate a rehab at a high level for the purpose of making offers:1.

My husband and I would like to propose some creative financing options...potentially offering a lease-to-own style option?

I highly recommend.

If I am unable to change the financing structure due to high costs of refinancing, are there ways to still protect the assets under an LLC?