Another option for me is this. 

From the travel nurse looking for a 1/1 to the high bed count pad split-type option where it's about maximizing beds for itinerant guests like airline crews.

Yes, I was actually thinking of looking into the SBA loan options.

Given our distance, new construction appears to be a promising option.

Absolutely looking at other options (including direct booking) because want to keep learning, improving.

You might want to consider other options, like teaming up with a reliable friend or family member, to navigate this situation.Getting advice from experienced professionals in the real estate industry can offer valuable perspectives and assistance in dealing with legal and ethical issues.

Who knows.Another option would be to buy a small parcel and slowly build a house with/for him and pull owner permits.Am I nuts?

Now you may be able to find options with less points, but the only way you may be able to avoid those is by going with a DSCR option. 

You should have this lined up and understand the options before you commit yourself to anything Especially if you are using hard money or any other then your own cash.

Probably about five or more life insurance brokers that specialize in cash value policies are active on BP reach out to them to get some other options and feedback.