We were going to use a VA loan to purchase the property.

My loan was processed smoothly and quickly.  

They aren’t calling any loans yet.2.

You create a loan from your Roth IRA for say 20,000. 

(this was after we had closed on the property) This was a bank commercial loan. 

Soon closing on a property property cost $458k and the closing cost is really high we are doing FHA mortgage they are charging 2% of the loan plus application fee and mortgage insurance on closing for the amount of $7k and plus monthly mortgage insurance... in 2020 there was not just a thing 2% of the loan on mortgage origination loan fee! 

Once the loan is due, lenders can really charge whatever they want for an extension.

Loan Buy Down: Some calculate this as part of their "cash flow."

I'm thinking something like this as a final look, what do you guys think?

Many hard money lenders are hesitant to provide loans solely for land acquisition, and conventional loans have been somewhat limiting, especially for land deals.What is best strategies for raising private funds.