Many people have to rely on using either their own money, some seller financing, or money from a capital partner. 

., Are you still interested in financing?

Quote from @Donna Carter: This is a very thorough and helpful guide for Creative Financing.

Financing Paths I’m ExploringUSDA loans (owner-occupied scenarios)Non-QM or bank statement loansDSCR loansCDFI or community-based lendersSeller financing, subject-to, or hybrid structuresPrivate lenders Would love to hear your thoughts! 

My biggest question right now is how it affects my personal finances.  

.: Someone asked for more detail on Creative Finance.

You are not going to get financing without 25% down and some history or track record.

Whats the expected construction cost, the exit plan, and the proposed financing?

 @Jenny ElomaaMost turnkey providers in the Midwest focus on fully renovated, tenant-ready properties with professional property management in place, and a handful even offer creative financing options or can connect you with lenders who specialize in turnkey deals.

Financing gets tighter below 50 lots.