Financing Land/New Build During/Just After Flip

[Joe Smith]

My wife and I bought our first home 18 months ago as a live in flip. Our goal is to have it completed around April of next year. We are now exploring a move to the Missoula to Helena area - looking for some acreage to build on. From the research I’ve done, we wouldn’t have enough saved to put the standard 20-30% down without the sale of the flip, and we are over the income limit for a USDA loan. We are hoping to use some of the flip profit for a rental in the next few years as well.

1. What would be some of the lowest cash options to finance the land/new build as soon as possible?

2. Would it be possible to put sweat equity into the new build by doing a lot of the finish work ourselves - or would a lender not approve this?

3. How difficult would it be to get an easement if we targeted landlocked properties and how would that affect loan options?