As far as I know,  most retail buyers buy based more on terms, money down,  payment per month,  than the price.     

With no monthly payments, interest and loan balance due at six month or pay just interest and a fee to start another six month loan. 6% interest rate I think 

Goodman/Amana, Lennox/Armstrong/Concord, Trane/American Standard, Carrier/Payne/Bryant/Tempstar.Most internal HVAC equipment is made by fewer manufacturers...Emerson, Honeywell and Johnson Controls.IMO, the biggest difference is the installer and the reason why some brands get higher ratings by consumers is they are selective about who they allow to install their brands.Check out this link.  

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I'd rather flip it myself because I can make more, but I need a financing method that requires a very low down payment.

Do you have the funds for the down payment and closing costs?

Should give you a good selection to chose from and you can call or email a few and ask their price and turn time. 

Be happy with the niche you select and know the market well too, especially the best locations.Always remember to do a math analysis and try to look at all prospective properties before you make an offer or at least have a clause in the sales contract that gives you some time (about 10 days) to make a detailed inspection and possibly back out of the deal without much of a penalty that will hurt you too much.  

I have asked for a cosigner who currently has the adequate income to make the rental payment and a good credit score. 

Take 45-60 days to close.Option 2 - Bridge loan while she builds credit - 8-12% interest only payments for 18 months - 3 points and likely the same 60% LTV.