I sometimes use hard money/private money to get in the deals and then refinance usually using DSCR loans or other available loan products. 

If you’ve been on this forum lately, you’ve seen about 47 posts starting with:“I’m building an AI tool to analyze deals…”This is not one of those.I used to be VP of Digital Product at a large retailer and got my real estate license a few years ago for fun and investment opportunities.  

In reality today's products are often cheaply made and will need regular repair, maintenance, and replacement. 

LOC on Co-ops is already a niche product, so options are limited but I am still curious to hear from anyone with experience in this area.

Without a brokerage to sponsor you can not even view listings for realtors but alone selling or buying properties. 80% drop out of real estate business 1st year because they have low production or no production.

Every investor has their preference — lower points, shorter terms, or more flexibility during rehab.If you could design your ideal loan product, what would it look like?

Wait . . . if buyers see one issue they wonder what others they do not see . . . put a quality product out there and you will get top dollar

I hadn't heard of such a product. 

I lean local for BRRRRs, refis, and small multis when I need a quick, clean close.Out‑of‑state or national lenders: useful for DSCR loans, portfolio products, or when I want standardized terms across markets.

Have you checked @Upen Patel as he has some products that could meet your criteria