I recommend that you find a trusted or recommended Mortgage Loan Originator (MLO), who can give you options for property-based loans (mostly investment loans) and they don't use your taxes but the P&L of the property.

Let's say you borrow $100,000 to pay off your $50,000 IRA loan, $25,000 on credit cards, and keep $25,000 for finishing renovations.

Here’s a breakdown of the main ways investors fund their first deal while minimizing their own cash outlay:1.Private Money & Hard Money Loans– These lenders focus more on the deal than on your personal finances.

I have two rental properties through the VA loan being military.

Also seems like a lot of MF sells occupied with tenants in place so you just have to comfortable with that and contracting up from and seeing inside after contracting.    1st step is to find a great lender and get pre-approved for a loan so you know what your budget is. 

You said that you are applying for an FHA loan so it sounds as though you'd be living in one unit. 

Was it indeed just locked, or did the latch mechanism fail, which often happens with bedroom sets that have plastic components in that mechanism; or did the screws that secure the latch into the door come loose, allowing the latch and/or the screws to prevent the door from opening...also not an uncommon event.

FHA LoansIf your down payment savings and your credit score aren’t where you want them to be, an FHA loan could be your pathway to buying a home.

Did you try a local CU or bank for a construction to permanent loan?

Since you’re building from the ground up, a hard money loan can be a great option because traditional banks tend to be slow and have stricter requirements for new construction.