Big lenders like Flagstar that have a servicing component are currently using their servicing business insight to go after refinance business internally.

One of the major issues I see is this.

This includes structural components of the building.

They do require these to be done on Primary Residence, and they probably do have a credit component, but may not have an income component to underwriting.

You should be able to find local builders that will finance the construction component of your new build, however! 

Its this sharp depreciating component which has always prevented such a purchase.  

Principal Paydown:  Cash Flow:  Tax Benefits: Savings from depreciation and interest deductions.For a deal to make sense, at least three of these components—home appreciation, cash flow, and principal paydown—need to be strong.

Not keen on seller financing component.  

Has some major flaws.

Here's the key components to calculate your tax liabilityAdjusted cost basis - Is the purchase price, plus capital improvements, minus depreciation.