However, I have been trying to figure out possible creative financing options to build more without having to sell, but I cannot seem to find a lender willing to do 100% down on land and construction even though the LTV would be below 50% since I can basically build for costs of material plus minimal labor by doing almost all of it myself , with a little help here and there.

Although I am not considered Big Pocket material (financial wise) but I know I can do it with this community's help. 

I see this constantly out in the market place those who want to jump in the RE world that have limited to no resources and they are far to worried about what the equity or money partner is going to make.. or they spend months trolling the internet trying to find that private investor who is happy with 8% or 10% which they never find and they just lose the dream   ... if there is not enough money in a deal to split profit or be able to comfortably pay HML  then the deal is too skinny to start with..

The materials also claim the powered rods help reduce sediment.

I can't tell you how many properties have units easily convertible from 1 bedroom to 2 bedroom units, units with favorable dimensional standards which can boost rents with no photos to showcase these attributes, assessment square footage that is not correct,  upgrades not identified in the marketing materials etc.

When I look up this question on internet, it always says that in NYC, its the tenant who pays ...but in reality I am told that about half of Brooklyn listings are no fee (meaning that landlord pays) in order to get it rented fast.   

Like choosing to pay for your own materials, or paying when certain milestones are hit.

Note: I am under the impression that me material participating in this exercise will fall under the "Real Property Development or Redevelopment" activity, thereby allowing me to cost segregate the home construction cost.

But, what they also sell is discontinued and misordered Lowes and Home Depot Merch.I have purchased over $200,000 of building materials from FTA.The number one item they have (and only periodically) is bath and shower tile.

Many times, permits, utilities delays and material issues are but a few.