I gambled big back in 2007 and lost it all.

Or is this some type of spam email?

Otherwise it is a gambling not investing.

I sell fixer uppers to investors and don't want to be the guy who spams on here and gets booted.  

Hi All, I recently declined a reference that I think was Spam within BP.

Now my dilemma is this, i can go regular conventional residential loan and pull cash out and get the standard 30 year 4.75 rate and be on the safe side. the downside is i have to wait 6 months for seasoning and also after 4 mortgages, which i plan on aquiring 2 properties per year, it will be hard to find financing( i was planning on having my wife put mortgages under her name once i reach this issue but realize they also use a dti ratio for their lending criteria so it is somewhat a gamble too ).Or i can go with a portfolio lender and get a commercial loan. i wont have to wait for that seasoning period, i build a relationship with a great bank and they are creative with financing so it wont be AS hard to acquire more than 4 properties.

I think you'll find that buying land for appreciation can be a huge gamble and a long term play.  

I'm not trying to be harsh, but subdivisions aren't something you do if you are inexperienced, and no lender is going to consider gambling away their money with someone that doesn't know what they're doing.

I am getting a lot of houses sent to me now and sometimes I miss them in my email, because they go to spam or I just overlook them somehow. 

You are gambling on an upward trend in SD!