Based on what you've shared it sounds like you answered your own question.

(Linked for free use as well) Thank you in advance. https://www.icloud.com/numbers/001gDqWRq6WawXhBzkGU0fOpg#Dup...20%-15% land accusation50% construction 25%-30% sweat equity- Permits What is the laundry list of permits needed to to get started with a new construction duplex? 

I am an investor and real estate agent based in Ohio, and I do have real estate investments in Dayton and Cincinnati.

Would raising just the 20% from private lenders and then getting a loan based on the down payment not be looked at favorably.

The prepared me a quote that is low price (That is nice), but I am not sure if I am covering all the bases.

My wife and I are based in the Southeast Michigan and are eager to dive into real estate investing to create generational wealth and ultimately escape the rat race.A bit about us: We have a combined $16,000 in savings and approximately $150,000 in retirement funds.

Assignee acknowledges and agrees that it is purchasing the Subject Property onan “as-is” basis and based on its own inspection, investigation, and/or evaluation thereof.Assignee is not relying upon any representations of Assignor, Seller or Seller’s agent(s) toinvestigate and report on the condition of the property.

Even if you're aiming for appreciation and want to hold more than five years, you'll still be gambling a little bit basing your purchase on Micron.

What I think I have learned in my research is this:  It is best to put our property into a land trust, for asset protection (land trusts have one way asset protection in FL) and anonymity.  

Then go to a business bank or bank with a strong business base.