Out here in the west its simply impossible to build anything that will sell for much less than 500k when your lots start at 100k to 200k each then permits are 30 to 75k each.. then you build the home thats the reality.. only way fed helps there is to buy private land and subsidize or turn federal lands into developments. the one market that would work is VEGAS as its surrounded by federal land.And from what I see in west coast the regional builders are back to pumping out spec homes as fast as they were pre GFC..

You need tax returns for conventional or FHA, if you want to go private or hard money, it is going to be 20 % down. 

I've since bought five notes, and two private stock offerings.My parents have bought maybe five properties over the years in their SD IRA.

Closeness to transportation is always better, but that is a tradeoff too.

Sub toOwner Carry Private money What made you interested in investing in this type of deal?

Hard money loans or private lenders can also help you move quickly, but come with higher interest rates that you'd refinance later on.

And if not, what groups or people do you recommend I talk with regarding private money lending for amounts that would allow me entree into Sub-To deals that require lower capital entree fees?

These type situations can only be achieved through the use of private mortgage money.  

so much private land has been logged and replanted since then.. in those days we would buy a 40 lets say for 150k  take 200k of timber off of it then sell the land on contract for same price then hypothicate the note to pull out more cash rinse repeat.. we also would use our logging roads and staging areas stratigically so when we left the roads were in the right place to do a 4 way lot split and the landings/stagging areas became the building pads.. in the NW permits for logging are not tough.. in those days it was over the counter and there was nothing you needed to do with regard to excavation.. however if I just bought the land and wanted to put in roads and pads then I would have had to get a grading permit and all the survey and engineering that went with it.. its was really something how we did that.. and I miss it to this day.. the other item that made it so profitable was Japan was paying premium for Export quality doug fir logs.. you could get double or more for export logs.

This COULD result in removing your private mortgage insurance.