If you need additional capital outside what a traditional bank or credit union would give you on the debt side, maybe start exploring higher leverage private credit / hard money options.

this can be gotten at a credit union on bank as an unsecured personal loan . some have for upto 84 months 

No, you cannot use your VA eligibility to bid on a home at a foreclosure sale in New York.Once the sale has occurred, if the property reverts back to the lender (Meaning it didn't' sell to a 3rd party), then yes, you can use your VA eligibility to purchase, if the seller (Bank/servicer/credit union, etc.) accepts your offer, and, if the property meets VA requirements (Section 1, etc.).I sell the REO my bank takes back and I don't like VA because they try to stick me with fees and try to make me do repairs that we just aren't going to do.

I'm not familiar with what Cambridge might offer, but finding something without MI would only be small/local banks or credit unions like that with some portfolio product. 

There might be some local banks and credit unions that go slightly higher.

My mother is being gifted a parcel of her family land near Charlotte, in Union county.  

Another very dumb regulation is if someone switch jobs internally inside company, these circumstances makes them as they have no W2 as lender wants last two years with stable position.So again, here Credit union lender can give conventional rate that's very enticing by giving exception.

I find it unlikely that one could build a house out of a shipping container cheaper than one could build a stick framed house.I work for a custom home builder, and we are a union shop.  

Thanks Hitanshu - I just financed a 4-Plex and went with a local credit union.

David Wright with Atlantic Union Bank teaches investor seminars in our market about how to buy the most number of properties with the least amount of cash using government backed loans.