I usually will say who referred me to them and say that they are a friend, neighbor, family, etc and will then ask what their lead times usually are for work to be completed, how they communicate, are they comfortable working with me being out of state, how do they collect payment (terms and preferred method) and do they offer a business rate?

HELOCs generally are not so well suited for long-term debt as a mortgage.

Is there any property loan that offers no or low down payment for veterans?

Lets say someone buys an apartment complex for 6 ml for cash.How much should they add for the closing costs if no loan needed?

I could be mistaken, but the VA has a Construction Loan, not a Rehab loan. 

The condo was used for several years as a short term rental.  

I would appreciate any advice or suggestions on how this figure might be reduced or if there are any terms that could potentially be negotiated.Thank you for any assistance.

This is because a lender or broker are the "Middlemen" of the industry where they take the application, approve you close you but then sell your loan to us at the Big banks.

And if so, do you know of a good mid term property manager here?

It will depend on the state, but yes you can close on a DSCR loan in your individual name.