Not much if any attention is paid to the guarantors, credit, income, etc. 

In many instances putting bad money after good by furnishing homes for STR or MTR leasing or perhaps making their personal credit vulnerable by agreeing to Sub To arrangement.

So I put $1600 on a credit card for a down payment and then pay $500 a month until the full amount was paid off.

You can go as low as 10% down and there are programs that allows this for first timers with good credit.3.

We are financing the build with a Heloc, once finished we’d like to cash-out refinance ASAP to payoff our line of credit. 

I had to put 20% down and I bought it using personal credit.

Most banks/credit unions use 20-25 years to calculate the P&I payment (aka Debt Service).Lastly, the LTV "standard" is relatively fluid in the industry.

When I asked if someone had an affiliate code (so I could give them credit), they didn't.

I haven't spoken to the county yet, but will make that phone call today.As far as financing -- I was leaning more towards getting a business line of credit or using a business credit card and rolling it over to interest free cards.

You would need to submit a material list to a local supply house, usually they require you to open an account and they ask for a TIN for a line of credit.