Now to the "DUH" factor; who's paying this ADDITIONAL $25k per FTHB money?

This will help you identify what market will have the most ideal factors for what you're trying to achieve with real estate. 

We have an in house risk assessment system that includes credit, property value and other factors to score a loan.

Pragmatically there are 20 main things to consider and 100 other factors.

The interest is added to the builder's cost sheet and factored in to the total cost to build. 

Too many get tunnel vision on just the % and completely forget there is 3 factors to how the #'s wash-out; the rate, over what time, on what total amount.

But there are other factors of a personal nature that will dictate when people want to use leverage or not.

As a private money lender, I'm curious to hear what makes an ideal lending relationship for you and how I can better support investors looking for flexible and fast funding solutions.

It appears you are focused solely on the financial components of the project without understanding the insurance and liability factors of self-performing the project in the manner in which you propose.

@Ashish Acharya Thank you so much for your feedback, I completely agree and have included seasonal trends and will look into economic factors including rental demand drivers.