If the numbers work to stay with one supplier, and the gamble on maybe saving a few bucks isn't worth the effort then by all means do what works best. 

Been building houses in Mexico, and we have successfully build and sold two, I am currently making 20% ROI, the build time is 8 months selling time is 2 to 4 months, and 2 months waiting for payment,I would like to scale my business and even get a loan for this type of constructions, however since it's offshore I am not sure how to manage it, should I request a personal loan?

I'm a little scared moving such a large sum around since I was told investing is like gambling and could lose it all, which I'm starting to realize it's not exactly that but its still nerve racking especially the stocks seemed to be going all over the place with covid.

In my experience, very few buyers (less than 3%) elect to gamble by not purchasing owners coverage.

I guess that’s the gamble… will it be enough to keep my bottom line under 80%.

I would be gambling on the inflated valuation with no tangible return on rents. 

While you MIGHT be able to get away with just a VOR or 12 month history of payments from a bank statement, depending on the luck-of-the-draw on underwriter and their interpretation of required documents, you're leaving a lot for gamble and heartache.

As long as the tenant is respectful and treating your property right, there's no difference in S8 or market renters - it's all an appropriate gamble. 

It could appreciate but I consider that gambling.

Forward looking projections are always a risk gamble so putting weight on it too much can be potentially problematic.What to consider in splits, fees hurdles is who (what parties) has what at risk when you run a Stress Test / Sensitivity Analysis.