I've called through at least a dozen banks and credit unions - and so far PenFed is the only place I've found, but their rates for non-owner-occupied are significantly higher.

As these areas continue to improve you'll get appreciation and that will give you options.

As soon as you can comfortably do it after you close on an improved property get the exterior door locks changed.  

This product is suitable if it exists in your state; however, you have to have 720 credit score well at least here in the states of MD.

Well, the only good news I can bring to this thread is that real estate probably has the lowest barrier to entry of any form of investing that'll get you "1%er" like tax breaks. 1031 exchanges.Capital gains exclusion on selling a primary residence that has appreciated in value.Mortgage credit certificates.

As long as you have good credit and your income can support it (DTI) go to a local bank for financing.

So raising money via other people and using other means of leverage like bank loans and credit cards are the other thoughts that come to mind.

My credit and income are solid.

(I will be taking 9-12 credit hours a semester for the next four semesters).

If I'm right about paying no tax on a land contract for an amount exactly what I paid plus all improvements, then I'd rather do that than take the hit on the sale.