This access allows them to match investors with the most appropriate lenders, often resulting in favorable loan terms that align with the investor’s financial capabilities and project timelines.Moreover, a skilled private money broker excels in navigating the complexities of securing financing.

In addition to using your own funds, have you looked into securing grants to "stack" the capital you have to still acquire properties?

@Ben Berg, welcome to BP and great work securing your house hack!

You can get another $5-10 per night just for allowing pets (don't forget to take a security deposit). 

. - that were new when the S8 tenant moved in 1-2 years ago.Another challenge of finding S8 tenants is many EXPECT you to waive application fees and security deposits. 

You could setup something where the fees are deferred until you secure the construction loan and then pay them 1.5-2x their standard fee if they waited the 6-18 months to get paid.

This includes, water, hot water, heat, air conditioning, cable, security system, snow removal, lawn care.

And it is very straightforward to file these, so I would expect it to be well within the scope of any operator sophisticated enough to pull off an owner financed deal. 

I file Dave Ramsey on the same page as Suzy Orman people who lived in a different error and financial time.

For example, I purchase nearly everything on CC, for security reasons and convenience, and I pay it off in full every 2 weeks.