You'll probably need a co-borrower and someone to gift the down payment.There's a Conventional loan (FNMA family opportunity loan) that allows your parents to purchase a home for you (and potentially roommates) to rent while you're still in college.

Hard money and DSCR loans generally do not vet the borrower enough to meet these regulations.

For "Foreign Borrowers" your loans are very limited. 

So, my brothers may want to borrow against the house for her care if needed. 6)I own 3 long term rentals and am not afraid of creative investing. 

Stop reading if you want.2) I couldn’t guess what “There is a 6 months of grace period before interest payment begins” means.3) They call their $3555 charge a “Loan Fee,” stated a few lines up as 2%. 2% of $235,000 (loan amount) is $4470.4) Do you seriously believe the loan fee, “… IS 100% REFUNDABLE IF THERE IS ANY DEFAULT FROM THEPART OF THE LENDER OR IF THE BORROWER CHOOSES TO TERMINATE THE LOAN.”5) It’s okay to pay an appraiser directly.

Most are for the borrowers and not the lenders - so they want them to be very simplistic.

We lend up to 85% of the build costs but, generally, require that our borrowers have some experience with ground-up construction. 

We have bought loans like this from existing lender as well as refinanced borrowers into a new IO loan. 

It may be tempting to treat them as one property and do what is called "cross collateralization" in order to maximize the amount you can borrow.

Many appraisal in several locations have been coming in low, which can either kill the deal altogether or make the borrower come in with more funds to close.