I have found them online but you might have to search as they're usually accessible only to realtors.

Hearing date by city for official approval or denial is in august.My current loan has about 145k left on it with a 3% mortgage.ideally would like to subdivide keep my existing mortgage on my current home and not affect the rate then get construction loan for new build.

However, I also have significant student loan debt.

@Mara Hayes you should be able to get your questions answered by any qualified loan officer.

If underwriters deny his loan the sellers stays high and dry.

Did a "hard money loan" with family using gift tax exemption and trust as collateral (despite what Dave Ramsey says, my father and I have an incredibly strong investing and personal relationship).

There is rules around this which is why loans and utilities all offer multiple payment options.

Seller Financing on Market Properties:- Yes, it can be used for on-market properties with motivated sellers.I am a Loan Officer licensed in multiple states, so if you would like to discuss further please feel free to reach out to me directly! 

Everything else in the area is selling for 440-460k and still needs 40-50k in cosmetic rehabOur client is putting 10% and using an FHA loan.

In theory after you have made timely payments on their loan that should be considered, but in practice I have yet to find a loan a officer that can package it so their underwriters will except it.