yes 100% financing is likely not going to happen. i say likely because I'm sure there is someone out there somewhere who would willing to take this on, but certainly not going to be an easy find. ground-up construction is more challenging as well, as you will need to evidence your experience w/ previous ground-up construction deals where you are on title. this is how lenders feel warm and fuzzy about lending you so far above and beyond the existing land value before anything is built on it. 

If purchased using financing, then I know of a few options who would be able to lend on the new value.

What financial institution should I talk to?

@Edgar Perez I can help provide information for you from a conventional lending perspective if you think it would help.

Your biggest issue with 5 bedrooms is that 50% of your income is going towards the mortgage, I do not believe banks would even lend to you with a DTI above 40-45 (mortgage + other debts).

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.

I also had more confidence, more resources in terms of private lenders who were willing to lend to me because I now had a track record, and good contractors.By running my own marketing, I had access to a lot more opportunities and was able to start supplementing the cost of my acquisitions through wholesaling and the occassional flip which in turn expanded my network.

My lender won’t allow me to occupy any of the properties they lend on, and which are owned by the LLCs.  

I’m trying to learn what is commonly needed upfront for most cabins in general, aside from lending costs.

in the HML space there are plenty of larger firms that do things across the country.. but NO lender lends in all 50 states.