Are there other options that could be better for a construction to perm loan (not through a traditional bank)???

Sell your car and get a loan on a new car.

The builders loan couldn't approve us for the amount we need to get, but we had a loan broker find a loan for 10% down DSCR with a 2nd home status instead of investment home.

So it's a loan....You just detailed a loan. 

The property will be strictly for investment purposes, not a primary residence.I’ve been looking into two potential financing options:Hard Money Lenders (HML) – I’m drawn to this option for its speed in closing, but I know the rates can be higher.DSCR Loans – This seems like a great option for long-term rentals, but I’m unsure if it’s the right fit for my auction property since it might need some rehabbing.I’m also considering purchasing through a land trust or an LLC to add a layer of protection and privacy.So, my questions are:What’s the best way to approach financing for auction properties?

However, at closing, we did not take out the multi-million-dollar A&D Loan that would be required to purchase the property and construct the subdivision.

I did trying to do one subject to loan an my real estate investor didn't know much about it. 

Business loans typically won't let you purchase a property if you read the fine print.

You can easily cancel a listing, the property can sit for months because of market conditions and unrealistic expectations, buyer can fall out because of a bad loan or issues with the property.

My in-laws loaned us the total purchase price minus $5,000 on a 3% interest rate.