@Josh Autery - Our sales pages are based on principles used by SaaS companies (Software as a Service), whereby product knowledge and pricing are shared with the consumer to ensure they fully understand the product before purchase.  

I will check the developer's clauses to ensure they don't have any restrictions on reselling lots prior to finished product.  

I guess we are all a product of our own experiences.

These banks can offer products called portfolio loans, which are not subject to the same regulations as "conforming" loans.

I think they offer a good product.

My primary objective is to help Individuals and Private Investors earn Above Market Returns on Passive Investments, that are Doubly Secured by Real Estate Equity and Positive Cash Flow, while focusing on Capital Preservation and Wealth Creation, over the medium to long term.I came to join BiggerPockets because I always have this Burning Desire to Expand my Model of the Universe, stay on the Cutting Edge and be surrounded by Like-Minded Professionals.

Since Duplexes are treated more like Single Family Residences and not specifically commercial properties their values are typically driven more from Housing Market forces instead of Income Production.

This procedure diffuses a lot of emotion out of the owner-tenant relationship.See fixerjay.com, then "Jay's products". 

I do so in order to provide my tenants the best product.

With having less then desirable credit no bank will make you a new loan or offer you a refi product.