Personally we can start before the 6 month date but I have heard multiple customers tell me other lenders have said they cannot start the application until the 6 month date. 

My recommendation is to figure out what's most important to you as a customer.

It's far easier to get repeat business from a prior customer than new business from a stranger.

I built high-end custom modular (e.g. stick built in a factory and shipped) for a significantly cheaper cost per sq foot than it would have cost to build with a local builder.

This is going to sound sacrilege but I think you should get a W-2 job in real estate based on your end game of wanting to be a developer I would look to work for developers, custom builders, surveyors etc.

Instead, I stumbled into the strategy by accident but I believe it helps paint the picture that you can be successful if you are not merely looking to replicate the housing that everyone else in the city is offering.

When you look at a 100 percent owned deal you cut the bank out of the picture as far as cash flow and get to pocket everything.

Especially if you have custom items as I do with windows, doors, etc. 

I have built around  20 homes in the past 2 years all with the exact home plan and  I been doing spec and custom homes my entire life.

Apparently the picture I tried to attach earlier didn't work.