Land is valuable as I could purchase a new mobile home and install and less costs since utilities are already on the land. 

Specifically, the cost to have it corrected is now a known material fact. 

I was able to qualify for about $95k in 0% business credit cards (for 12 months), I then liquidated the cash and used a portion of that to obtain the hard money loan that covered the balance of the purchase cost.

Opt 1) utilizing our savings in the brokerage account and emergency fund and pay for it all up front. 

DSCR could be a good option if you are refinancing quickly and if the value is higher than your cost basis.

How did you incorporate the funding fee PLUS the closing costs?

I talk to so many people who regret not getting a PM up front because they are having problems or high eviction rates doing it alone.

Additionally, S-Corp compliance costs (payroll, tax filings) typically range from $1K–$3K annually.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

A CPA who specializes in partnership issues can also likely talk through these issues with you.3) Depending on the size of the deal - Keep It Simple - the number of really complex agreements that come across my desk for a $500k property is crazy, and it ends up costing as much to do those tax returns as a comparable $5m deal