You can obtain owner occupied financing at great rates and only 3.5% down payment.

The easiest way to establish US credit is to obtain an EIN thru the IRS, then get a secured credit card to start, from a major credit card servicer.  

Greetings all,I have a background in construction engineering and management and I want to take on a role as a GC/Developer/Planner for new construction of a pre-fabricated home property.I'm planning on building multi-unit structures for rent in an urban lot, (I will have to get this lot re-zoned) but for the process of construction, I'm trying to determine which permits I absolutely need to obtain, and which inspections I need to conduct, and how much all of this is going to cost.In other words, I'm having difficulty in determining fact from fiction when it comes to inspections and permits, and distinguishing which ones I absolutely must obtain, and which ones are just "good to have."

We never worry about losing data or accessing the internet to immediately obtain the needed information.  

Now if you buy right, and the property can have some value added to it, then the equity you leave behind can be the value you added, wherein you actually obtain the hard cash you used to buy the property. 

Loans offered through them are not owned by them and this can create issues with obtaining your files.  

Originally from Denver, I predominately grew up outside of Houston, TX where I also obtained my architecture degree.

The loan will mostly be needed for about 3 months as a bridge between when we get billed by subs and when we get reimbursed by our regular construction loan.The equity-home mortgage stands at $400k and the house is probably valued around $2M in today's market.I've used Legalzoom to obtain and fill out a Promissory Note and Security Agreement.

Third, my primary debt (aside from mortgages) is student loans, which is driving up my DTI to the point where it might preclude obtaining a traditional mortgage.  

Straight from the Fannie Mae Selling Guide - Verifying Capital Gains IncomeDocument a two-year history of capital gains income by obtaining copies of the borrower’s signed federal income tax returns for the most recent two years, including IRS Form 1040, Schedule D.Develop an average income from the last two years (according to the Variable Income section of B3-3.1-01, General Income Information), and use the averaged amount as part of the borrower’s qualifying income as long as the borrower provides current evidence that he or she owns additional property or assets that can be sold if extra income is needed to make future mortgage loan payments.Note: Capital losses identified on IRS Form 1040, Schedule D, do not have to be considered when calculating income or liabilities, even if the losses are recurring.Due to the nature of this income, current receipt of the income is not required to comply with the Allowable Age of Credit Documents policy.