Quote from @Sri Reddy: We are a team who are venturing in to constructing a multifamily unit from groundup.We don't have any prior experience in construction and are looking for financing loan options.

With $50K and a DSCR loan, your budget will likely cap at properties in the $150K-$170K range, depending on the closing costs and any repairs needed.

Should your mom pass away before you, the loan could not be called due, 

I own a PM company in Hampton Roads and checked out your website.

DSCR loans won't use your income to underwrite the loan.

@Kyle Carter People hit on the obvious, hype and excitement of a large name company like apple moving to an area. 

Our issue is income on papers too low to qualify for the an FHA or traditional loan.

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

I think it would be beneficial to set up your own management company to manage your assets.

What loan?