Most min loans amounts are going to be 50-100k, so an issue there.

If you have any loan questions feel free to reach out. 

I began shopping for a large construction loan to build a new car wash on the land. 

If you create or fund an IUL instead of paying cash you can then get a loan on the IUL.

However, consider STR seasonality, local regulations, and management demands, and ensure your equity loan and new primary residence costs fit comfortably within your budget.

I plan to offer owner financing to others that can't get a loan.

Quote from @Jaycee Greene: Assuming you pay asking price, I'd estimate the down payment for something like that using a hard money loan (HML) would be around 40% of the purchase price and your monthly payment would be $2,600 with an interest rate in the low 7% range (probably need a 700+ credit score to get that).

If scaling quickly is your goal, DSCR loans are a great tool for the refi portion since there’s no 12 month seasoning requirement like conventional loans, and DTI isn’t a factor. 

Acquiring in cash or with a fix and flip loan.

Here’s what made a difference for us:🔹 Mortgage Relief – Many lenders offer disaster relief options like payment pauses or loan modifications.