It’s very possible to get it down to 75% by doing the project as a whole instead of 2 stages.

I am looking for hard money lenders to assist me in several projects that I have in the pipeline.

It wasn't until later in life that i realized I could make a career from it, so I'm currently in transition from someone who has made money off real estate projects to an actual investor. 

I will be using private lending and potentially hard money to fund these projects/investments. 

The return is projected to be 22% in about 4 years.  

Keep in mind that towns and cities may have different ordinances that may require city approval before tackling your plans.

I find deals all the time that I would love to do myself, but financially I just cant swing them and I get excited to pass those opportunities onto my other investors who will happily take the projects on, and in turn, I get a happy investor....win/win.My advise....find an agent that is doing what you want to do. 

You will likely be stuck working on one project a time which isn't bad but you may lose out on deals if you spend all your cash. 

The two remaining projects are finishing the yard (irrigation system, sidewalks, grass, fencing and flowerbeds/trees/bushes) and building a garage.

That project has now been completed, and the results are outstanding!