It’s true, there's a certain reassurance in traditional, in-person closings where you can see all parties and the attorney right there.Still, virtual closings are generally secure and are backed by robust technology for identity verification, which should ease some worries.

If I got a Heloc, once the property is built, could I get a traditional mortgage and pay off the heloc and then tap into the new equity as well?

I am not going to go with a traditional bank at this time with all the hassles that come with them so hoping to find some insight on "TheLender" or any other lending group that allows 20% down as a DCSR loan on a STR, SFR in MN which happens to be a no pre payment penalty not allowed state.

I agree with some of the other posters that investing in a syndication or fund could be a good fit given your situation.I started investing in some fix and flips and some smaller residential properties from traditional BRRRs.

But with showing minimal taxable income over the last 2 years, it's now hard to qualify for any type of traditional bank refinancing.

Zarrin  Crowdstreet has traditionally had the largest # of deals to choose from (although at the moment has just a handful). 

My thought that is if I take out a traditional loan it still hits my DTI where as hard money wouldn't. 

Most banks and traditional mortgages "Do not" allow foe the property to be vested or quit claimed into an LLC unless it specifically states it on the closing disclosures.In most cases even on DSCR loans the Bank/Lender still requires you to sing a personal guarantee even if they allow the loan to be vested into the LLC.  

That is the standard list of documents required by all banks if you are using a traditional loan. 

You can't combine Roth and Traditional money in one account unless you do a Roth conversion, which would be a taxable event.There is no one-size-fits-all when it comes to investing using your retirement funds, but you certainly can own rentals with leverage in an IRA and this can be very profitable.