It will take me 2.5 years to recoup the cost without taking into account tax benefits.

No W-2s, pay stubs, or tax returns are required. 90% of underwriting is based on the property not the borrower.   

We are doing everything we can to hold off until then but with the increase in taxes, insurance, and debt; it's really getting difficult to be able to wait it out.

@Gavin JexSo you want a bank loan and then seller finance as wellA bank would not be in second position so they as the owner / lender would be in second.Also 0% they would still be responsible for taxes on that at AFR so if your payment is $300/mo the loan would go off federal rates so they would essentially have to claim around $5k in interest income which would be ordinary income so they may end up paying all of your payment in taxes… just fyi if they did speak with someone on thisSounds like a steal if deal for you

Having the developer wait for the project to be fully pre-sold before asking the buyers for any non-refundable money.

I will pay the monthly on the note and the taxes.

Cost of labor has gone through the roof, as with materials, property tax, insurance, and even utility cost.

Presumably someone does your tax returns, ask them.

It is in their best interest to allow you to show it so that if you can secure a tenant prior to the end of their lease they will have a "rent refund".Including a sample of our 360 imagery we use for marketing: https://portfolio.zinspector.com/tour/OR4zL9dqx06EK7av4GRXljoGbmWA1PZw 

An added bonus is that you will also boost the portion of your payments going to interest, which increases after-tax cashflow.