Of course, every one of those re-draws will delay your payout anyway.

That will take a couple weeks and delay the close.Should I find another agent to pull one for me quicker?

I would like to avoid/minimize as many mistakes as possible.

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.

Secured Debt: The land contract provides the seller with a secured debt, which can be a valuable asset.Risks for Sellers: Lack of Payment: If the buyer fails to make payments, the seller may face delays in recovering the property.

If you can find a house or duplex where rental income covers a significant portion of the mortgage, it could help you build equity while minimizing your living expenses.I'd recommend looking into first-time homebuyer programs in your area, and as always, make sure the numbers work for you.

Apologies for the delayed response. 

My loan officer is saying no, but the literature I'm seeing says up to 12 months delayed occupancy is allowed for special circumstances.

Focus on turning it around and getting it rented as quickly as possible to minimize losses.2.

My personal goals focus on appreciation, so I'm okay with making minimal positive cash flow in an area that is appreciating quickly, even if rent rates are increasing at a slower pace.