Why you should you use a consultant on Streamlined "k"s ?
Simple answer is that you don't always know when it is a Streamlined "k" or a Full. We had a glazier buying a home... he felt that he could repair the broken windows so they had the contractor bid on the roof, carpeting, & new kitchen leaving off the broken windows. The appraiser called the broken windows tripping this into a Full 203k requiring a consultant. Had they merely mentioned this ahead of time this would have been a Streamlined "k".
Another one we just saw appeared to have structural issues but turned out that we were removing the garage which then left it a Streamlined "k". Had they wanted to repair the garage it was a Full 203k.
Having your consultant do the inspection on the property can let you know sooner that is one or the other, & in some cases save it as a Streamlined "k"