Again, it is illegal for a lender to give you a loan if you cannot reasonably pay it back on the home where you will live or plan on living. 

If anyone plans on doing short term rentals to some degree or building additional living space, then this is imperative. 

My plan is to D4D or pull list from county and begin marketing on a small scale but with a buyers mindset (whatever doesn't meet my criteria, ill whole sale) I am a little lost or should I say would like to get investor opinions on my plan and gain some insights from you all.I don't know much about financing or rehab I have never done it and it feels intimidating while supporting a family

Property tax around 200/month and Insurance 130/month.Based on a Heloc at 182,000 when all is done my plan would be to do a cash out refi to pay this down/off and use remaining cash flow + W2 income to pay the rest off.

Then it actually is a solid plan to mimic the rain by spraying a hose around the house.

The only true way to price new construction is to design the basic plan, then price all the finishes from the least expensive to the most expensive options you would put in. 

I am planning on doing floors, bathrooms, new AC, and other things so most of the house is getting fixed up.

Hopefully you plan on doing $25k & avoiding seasoning to grow faster 

@Connor HeatonRead the specific HOA agreements for each community you plan to invest.

something to note i plan on doing private loans and house flipping down the road also.