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now if you could get a seller to be the bank I get that you could smoke and mirror those deals.. but i would think those would be picked over low value or properties in the worst areas of town etc..   

I just need help on finding a path to get my hands on the capital  I highly recommend going and taking @Frank Rolfe's MHP bootcamp but also talk to local banks

Professional PMs use specialized tools to verify income directly with a tenant’s bank or payroll service, ensuring legitimacy.

Banks who offer construction financing tend to be 75-80% LTC and alternative/hard money lenders will sometimes offer higher LTC leverage than that.

Bank financing.

I applied for a HELOC and when they ran the title it came up that the 8k grant is actually a second "soft" lien against my property that will go away after 5 years which prevents this bank from allowing me to have a HELOC.

I would get on the phone with a local lender through a local bank. 

Banking industry?

That'll help you figure out what direction to aim in before speaking with a bank to figure out how much you can qualify for.