I think you need to more likely look at a CTP (construction to permanent) loan and your best bet with that tends to be a local banker in your area.  

And many situations use a combination of the 3 approaches.The single family house (sfr) is real estate, since it is (presumably) permanently attached to the land, etc.

Like you mentioned the remaining credit is applied to the principle if you pay off the loan or refinance (which is likely, since you are probably going to refinance to eliminate the PMI in the next 1-4 years) as opposed to a permanent buydown where you cannot recoup the permanent buydown aka paying points. 

And as far as the relationship advise, is that kinda like saying "hey you know your girlfriend kinda looks fat in that dress, you should probably tell her that" or something along those lines? 

We have programs that we readily pay your; grocery bill, rent, cell phone, internet, spending money, health insurance, Rx coverage, day care AND to boot not only do you NOT have to pay diddly-squat in income tax's that the rest of us subsidize (pay) for you but we even send you a big fat check each year if you have kids. 

Im focused mostly on the permanent financing part of the equation and dont currently offer hard money/ABL lending products, but I'm more than happy to connect you with everyone.

She got a great job but it wasn't permanent but it was the launching pad for the job that she now has in a different city (4 hours away).

If you are purchasing the property in a distressed condition the issue of seasoning should not be an impediment to a cash out, or bridge to permanent transaction. 

To me the quadplex would be dual purpose, while you are not living there it serves as a reliable stream of income, once you move there, you could live in 1 of the units while you build your permanent home, and you could also use it for when your family comes over for large gatherings.A 2nd option might be to build an RV park, Unless their are zoning restrictions, you should be able to build one fairly inexpensive, with a septic system and either public water or a well, you can keep your costs to a minimum by doing gravel roads, which are easier to remove later if you don't want them. 

Options are limited but I have a source that can help with permanent financing, i.e. 30 yr fixed, interest only 30 year term.