As for the cost, DSCR loans will almost always be slightly more expensive than Conventional loans.

Between risky behavior of bankers and then the government not wanting to make a housing crisis worse, 15% down programs are the best we have right now. 10% down is still available for vacation / 2nd homes, but for the purposes of conventional investment loans - 10 down. 

For a  conventional loan….that’s how it is.

My debt-to-income levels, by conventional banking standards, are good but not great.

If the end product is similar to conventional construction, and is compliant with applicable building codes then I think you're good to go.I think you should also consider where you might start. 

Seems pretty standard, VA isn't as tied to credit scores as conventional would be. 

This is the job that would support a conventional loan.

.- **Financing Options**: Look into FHA loans or conventional loans that allow owner-occupancy.

They can get you access to conventional lending, and loans insuredunder CMHC (regular, as well as MLI select).

I personally would try to get a family member to manage it if that's an option.You can get conventional financing as a business owner if you go with a non-QM or bank statement program.