I also want to combine it to one $150k  30 year fixed loan instead of having two separate  $100k and $50k loans what options do I have can anyone help.I don't want to use my own money.

Why can't you offer her assistance while she trains you, so you both make money?

Any general advice is much appreciated.50k is more than enough money, the biggest question at 22 is are you ready to buy a property and be kind of locked in for 3-5 years.

Same day auctions of course are not going to be possible for a lender to lend on the initial purchase but you can often get the same hard money purchase terms right after closing if you're able to buy in cash

I mean really robust and to us the money is made finding those pearls of land that can be developed

@Ketch Bays I started with the exact same amount of money.

The only thing that bests fear is courage and we only need a mustard seed of that to get things going...People often spend money on college and never go in to the field they spent that money on...the greatest lessons and the ones most remembered are learned 'on the job'.Wishing you more good news in the future and an exceptional 2025. 

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.

how much land and how much money do you have?

I do not have much money and I am looking for a deal.