The market for sales has slowed down considerably here. 

I've called a couple banks and they say they don't lend that low or they want 35-40% down, which would take away from my working capital and slow down the process.

2nd questions; I Just got pre approved for a non QM product: 20% down, 8.25% interest rate, 12 month pre payment penalty period, 2 points, and Conforming Conventional product: 25% down payment, 8% interest rate, no pre payment penalty, 1 point fee. 2-4 unit in Ohio.

I would check out Craig's book (https://store.biggerpockets.com/products/the-house-hacking-s...).

They can learn how to do physical tasks like assembling a product by trying it a billion times inside a simulation until they have mastered it.

The advantage of using a new build, when available, is a first-come-first-served environment instead of the multiple offer pay over list market in resale product.  

I am leaning more towards a slow ramp off my current career, and a ramp into building with a build and hold strategy.

The vast majority of the population, anywhere in the world, prefers the instant dopamine hit to the slow morphine drip.

The rate sounds low..conventional mortgage primary purchases are in the high 6%'s-low 7%'s..The 5 year PPP is a little heavy as usually declining..5%.4%.3%..can also consider 'buying out' of the PPP usually around 1-1.5% of the loan amount upfront..

We have access to capital to build the unit, but with the market slowing down, there is a possibility that we could 1031 exchange into an apartment.