I don't think you are going to be able to get insurance for two separate living units in a single-family when they are both illegal and likely do not have the correct egress windows (basement) for fire safety which could subject you to huge liability if something happens to either party.

They reversed the transaction initiated by the hacker and I can withdraw the money from my account.

What you have is money.

You also need to consider that at a lower percentage of money down you will be paying a Mortgage Insurance Premium or MIP. 

It was an easy way to scale up with no money out of pocket.

Once Apartments.com is going the money comes without much thought. i check on the first to see that the transaction has initiated then again on the eighth to see that the money deposited.

You went to work, made your money, and then enjoyed your life with your family.

Conventional, after two hard money people fell through How did you add value to the deal?

Will this be a good investment time and money wise?

At the end of the day; you need more money to do something like this.MAX LTV on new builds is 80% LTC, Meaning if the build is $550,000 and Land is XAdd ($550,000 + x ) * .8 = LOAN AMOUNTYou would need to come in with MINIMUM 20% of the cost in addition to closing costs and reserves, $80,000 is not going to cut it for this project.