Creative Financing For New Construction

[Alex S.]

I'm stuck and can't seem to come up with any ideas on how to move forward, but I'm sure someone on here has the solution and solved this problem plenty of times.

 I'm looking for an owner builder's loan, so that I can be my own builder, however my mortgage broker friend told me that she could not find a lender that allows it in Georgia and that I would have to hire a contractor. The problem is I am a contractor, I built 3 houses last year alone, but all for investment. I used hard money. I have plenty of lenders that will let me be my own builder IF it's for investment, but not for a primary resident, even reached out to Normandy and they said no because it will be a primary resident. So is it possible to just obtain a HML and build the property then sell it to myself? But I believe that is a non- arms-length -transaction. Is there anyway I can make this happen? The land will cost $50K and to build will cost me $225K, all houses in subdivision are going for $468K and up, so I will have instant equity. If there is such a loan, what would I need to qualify? Should I buy the land cash and then search for a loan?