I have an event coming up in November for private money lenders (one for passive PMLs who are doing it as a side hustle and one for experienced small- to mid-sized PML business owners) in Las Vegas.

I have $25K cash for a down payment and can add $20K/year ($1,600/month) toward payments.No W2s, I've looked into building a small home right away and using a bank statements loan (have about 8800. monthly income) , but with 9%+ interest rates, it’s beyond my budget.Is there any sort of creative financing ideas possible or private lender possibilities?

Is it making money?

This a great place to learn what to do and more importantly what not to do.

Does anyone have experience working with "Nailed It" construction company?

Currently own my home and two other properties which I do STR and LTR in.

I'm talking about using your "spare money" only, don't sell your house, don't sell your undershirt, and don't sell all your asset to do it, too risky! 

Those buying close to the city are either breaking even or taking negative cashflow and banking on appreciation (or buying all cash and parking money, ha).If you do consider Lowell, I'd also recommend you check out the Fitchburg/Leominster area as well.

Then ask yourself if you still want to be living with roommates in 5 years.

I do like the Wilmore/Southend area.