What type of new construction are you referring to? 

Due to this, we have been investigating the possibility of purchasing land and using an owner-occupied construction loan to build a new property.

For a tenant to receive a reduction, the landlord must have actual or constructive notice of the existence of the defective condition."

When investing in New Construction, you are controlling the property for the first, BEST years of a buildings life.  

I am looking to get some type of construction to perm loan to build a primary house for myself However, I’d like to get a loan that allows as little % down as possible and allows me to be the builder.

The areas I lack experience in would include construction, repairs and handyman work.  

Lots of these new construction builds were done very cheaply, and since it is wood framing with siding, flashing stucco, etc; if the proper flashing drippage and caulking wasn't done correctly you will often find leaks.

We work with a number of builders that offer off market new construction investment properties with a proses that makes investors comfortable in not being in the area of investment.  

I am new to real estate investing and was looking into taking a heloc on my primary to purchase land and do a construction loan.

Just a heads up.So you calculated out you need  $6 million worth of apartments to hit your goal.A commercial loan may require 20% to 30% down in cash, cash reserves, working capital, and closing costs.You will also need earnest money cash.The lender may also require certain repairs to be done Shortly after the loan is made.The lender may also require the Property to be stabilized as far as occupancy percentage is concerned, leaving little on the bone as far as sweat equity.Good Luck!