I have been offered 75% of the purchase price and 100% of the rehab, 80% of the ARV and 100% of the rehab but I have to have at least 15% of the loan and 3 months of payments in an account set aside for that deal, another one was $150,000.00 9.9% one time fee zero interest for up to 24 months on a revolving line of credit, and a few variations of these deals. 

So if it is still a product you are looking for then post "Seeking a blanket loan in X City" in the specific state forum you are looking to buy in. 

Where I work and at most larger banks for the first 6 months it's all about purchase price and after 6 months you can refi based on the appraised value.If you have the track record and your ARV's are right I would either go in person or call local banks or credit unions.

I think that's because my focus is Class A or Class B tenants (minimum 650 credit scores and verified income must be at least 3 times the rent) - easy tenants.  

Both loan programs are great but each certainly have their own pros and cons, which really are tied to your credit profile and the property profile.

I am based out of California. 1st United services credit union offers heloc for 250k without any cost, but for 250k-500k I need to pay for closing cost and appraisal, costing me around $3500. 

What I learned is that the buyers looked for different products, and I had to learn a lot of new things, which is what we do in Real Estate at all times anyway!

I’m going in 25% down on this property and I have a good credit score....

I bought my first family home March 2014 for 136,500 I got in some credit card trouble and did refinance-cash out on my home October 2017 so I can catch up on bills.

I also do not like lenders saying they will use a seller credit to reduce the loan amount as that does nothing for me.I want a seller credit where I have the reserves to pull from and make quality repairs to the property.Lot's of sellers are selling on bubble numbers the last few years ( 4% rent growth, 35% opex, 3% vacancy).