On commercial loans, it is not uncommon to see 25 year terms or balloons in 5-10 years.  

Focus on researching neighborhoods with good rental potential, and consider FHA loans if you plan to live in one unit.

So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

So the Developer has less into their lots than another development were the infrastructure is in the construction loan and is paid off when the lot sells.. so its a win for the developer if they can sell the homes for the same price as other developments that do not have this bond attached to each lot..

Guys, any sites or lists to find an SBA loan broker to help me with the possible purchase of a business?

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer. 

Start working on your credit score and research financing options, including FHA or conventional loans.

After 30 months I will have paid the loan down a little, forced appreciation, might have a little market appreciation and hopefully interest rates are lower in 30 months then they are now.

After reviewing the cost to rehab and the area of town, I decided to Wholesale for a quick profit.Sold it on a Real Estate Contract (Owner Financing) with $100k down, the balance is financed at 10% for 13 months, then the loan is called.

Ashley, if you are still a naval spouse, I would suggest the next time you are relocated that you consider buying a house via a VA loan wherever you end up stationed (excluding San Diego because it is too expensive) and do this every time you move.