Can anyone offer insight, resources, or educational material to get me up to speed on what it is?

Now a quick disclaimer I am not in no way shape or form affiliated with roof stock nor am I paid to promote them or anything like that so invest at your own risk!

If you want the word docs, we can provide those too but need to make sure you understand that any material changes should be done only under supervision of an attorney, and that adding clauses does not make them legal or enforceable.

I have been successful in moving up the corporate ladder but my income seems to be topping out at a more rapid pace than my promotions. 

If you get the promotion try and live at the same level as now (I know it will be hard with another mouth to feed) and put the rest toward that debt.I would go conventional if possible unless you are in a huge rush.

I’ve already spent months working on a budget, searching the big box stores websites, online auction sites, etc. and have a pretty good idea of what my materials cost should be.

Specifically the current competitive rates for new construction trades and materials (e.g. foundation, framing, plumbing, electrical, drywall, trim carpentry, painters, tile work, brick layers, roofers). 

I fixed her fence and roof for her because I felt badly about her loss (I had tools and material out there anyway to remodel my building).

Put 20k into it (10k labor and 10k materials) and now its looking to sell for 220k.   

He currently has about $10,000 cash and about $20,000 in credit "Home Depot line of credit for materials."