I have a client who is putting together a spec home, the market in Utah is very good, and new construction is in high demand.This friend is getting a lot loan from his father-in-law in the amount of $70 in cash (total for the lot) Then he is getting a new construction loan in the amount of $230,000.

I think they quoted us with install around 12k total.

Additionally, you are not hitting anywhere near your total VA benefits so if this is your first VA loan you can use your second tier benefits on your next place. 

I've been using the Bigger Pockets calculator religious to tally up what is the highest I'm willing to pay. 

Yes they will do traditional 30 year for single family homes or anything up to 4 units as long as you stay under ten mortgages total.

They're not down for owner financing... i've spoken to a couple banks and they don't see the value in the purchase because they said they need a valuation on the property alone and not with the connecting properties (makes no sense to me) so now I've turned to Bigger Pockets and I need some suggestions.Breakdown: 1 Neighbor wants $1.3 million and the other i can get for 900k  both of these + my land brings total SF to around 18k+ sf of land. projects in the area have sold - just land value for approx $300/sf  this lot would be far superior given the location and it becoming a full city block... 

In total I have about $110,000 into the project.

By the way, my doughter's name is REI meaning beautiful in Japanese.. totally accidently it also means my favorite thing in English lolThank you,Aya

I have an opportunity to purchase 21 apartments scattered across multiple buildings ( 80 total in the complex).

That totals more than $2100 for the laminate replacement.