I've tried traditional means of finding wholesalers with experience including the local REIA meetings, answering Craigslist ads, etc.

Hard money loans tend to have much higher interest rates and by refinancing it via a more traditional lender those rates would be significantly lower, therefore, lowering your monthly mortgage payment. 

I'm looking at obtaining a construction loan to fund the purchase and rehab, then convert it into a traditional mortgage. 

I have 2 rentals in which I have done traditional 20% down financing, I am looking to scale buy using a HELC for additional properties, Visio does rental loans at 75%  with no fund seasoning and limited paperwork, as they are a private lender they do not report to the credit agencies (which can be good or bad) Has anyone used this lender? 

Traditionally I've used Helocs  as a down payment source for investment property, while this worked well in the past for me I was dissatisfied that I could not grow quicker.

What if I did the following: traditional financing for my down payment , so 25k down on a 100k home that just needs cosmetic fixes (smaller rehab) for 15 grand.... and I boost the property value maybe to $125.

If you are looking for a traditional turnkey company (one that buys, rehabs, rents, manages, then sells the property to an end investor), there are no established companies that do that.

I had been raised with traditional views of personal finance.

In my case my DTI ratio is a bit on the high side as my reportable taxable income is not reall high, so I have trouble getting traditional loans too.

With this being said I have three questions.1) What would be the most beneficial way to structure the deal2) Is it better to refinance as soon as possible or stretch out the seller financing as long as she would be comfortable with it3) How to enter a deal like this into the BP calculator if I am not getting a traditional loan right awayThank you in advance and I really appreciate your time.