I can get it with a DSCR loan now and would not live in it initially, but would want to eventually move into it 6-12 months down the road.

Quote from @Dylan Fraembs: Quote from @Wale Lawal: @Dylan FraembsThe Providence market offers solid opportunities, especially in multi-family and value-add deals.

The big difference is DSCR loans are higher interest rates.

I would love to be able to bundle them into 1 loan, but have not found a lender who can loan on a single property under $100k, even when bundled with the other one. 

I don't get the term "DSCR loan"   I mean all loans for 5+ units are based more on the property than the buyer.     

Do 80/90% of land 100% of construction loans exist?

I stared using this site PropJump.com to find services providers for my 3 properties I own and manage. 

As mentioned above look in the loan docs for reference to 'condition' or 'use'. 

This creates two loan payments ($100,000 of equity and $300,000 on the new mortgage).Key NumbersHome Equity Loan Interest Rate: 6%Mortgage Interest Rate: 7%Rental Income: $3,000 per monthExpenses (management, taxes, insurance, maintenance): $800 per monthIncome and ExpensesMonthly Rental Income: $3,000Monthly Expenses: $800Monthly Mortgage Payment: $2,000ExplanationThe investor earns $3,000 in rent each month.They pay $2,000 on the investment property mortgage and $800 on other expenses.This leaves $200 profit each month or $2,400 per year.However, you have to pay $6,000 interest on the equity borrowed.This leaves you with an annual loss of $3,600.While the rental property generates positive monthly income, the interest cost of borrowing the initial $100,000 results in an overall loss.

YES, I do provide a bonus / penalty structure to my contractors.