Hard money lender/DSCR - both are good options.

Are there other creative options I haven’t considered?

If you want to develop it, I can refer you a lender that will lend on a completed subject to appraisal but you'll be limited if you just want it for the lot.If you simply want the land as part of your property, you have more options including a HELOC which you can still use for development down the road. 

So before dismissing your options, you may want to consult an investor friendly Lender who is an out of the box thinker.

.- Suggest you try to network with other landlords in your area, check MeetUp app and others.Your other option is to hire an attorney, but understand you will have to pay them for your ignorance.

With your pipeline of off-markets, cherry-pick the best for yourself to close on, and on the rest, lock them up with a long inspection window, and make sure you have an option in the contract to Assign the deal to another buyer.

I selected Lewiston for the post as I didn't see an Augusta option, but I do work all over the state.It was my family's property management business that brought me to Maine and sparked my interest in and passion for helping investors achieve their goals. 

I’d focus on property types that align with my strategy, leveraging financing options that fit my budget.

Look into local tax incentives and financing options, and reach out to local real estate groups or mentors to better understand the market.Good luck!

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much.