Is there a way around this or are my dreams dead because the govt, who wants to fix the housing crisis, will not let a first time homebuyer do something that is perhaps the #1 solution to making housing cheaper in a market like Denver?

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If no construction lender can get comfortable with you as the builder (aka principal, sponsor) regardless of you hiring a well-qualified GC, then maybe the solution is to give some piece of the equity to another builder/principal who would oversee the GC, and whom has the track record to satisfy the lender.

This way, you are one of the first to contact them and offer a solution.

I am looking for an online-only business banking solution that offers:1.

But you need to find some sort of solution because this may come up again.

If you already know that the opportunity is limited where you are would not migration be the only reasonable solution? 

Therefore, I suggest you speak with your attorney and have an attorney or broker underwrite this loan, make sure it is labeled as a NOO loan, and make sure to comply with all the local state laws.

F&G solution to this is buying gold and selling it back.

Brough a solution to the seller and a project to the buyer What was the outcome?