Hi Raymond,Consider using a 3.5% FHA loan or a 5% Fannie Mae program, as these options are advantageous if you plan to live in the property.

Zoning, subcontractors, mother nature, P/I during construction and rent up, your loan doesn't get "fixed" until after construction, material inflation, etc, etc, etc.You have taken most of the risk off the table with family financing and family construction. 

Get Hard money loan to pay off debts while I get HELOC either on Free and Clear2a. or the primary 3.

I obtained private funding for the project in addition to the hard money loan.

They often have more flexible terms and can work with ARV instead of LTV.

As might be the case in a Flip that needs work or similar.I am assuming that it would be OK for me to do normal maintenance on a rental that I would be holding long term - such as mowing, small fix-it projects, etc..

I remember speaking to someone looking to do this sort of conversion in Scranton before and this is what they said they were coming across in terms of issues.

As a hard money lender, I specialize in providing fast and flexible financing solutions tailored for investors like you, especially when you’re looking to move quickly on a promising deal.Whether you're interested in fix-and-flip projects, rental property acquisitions, or other investment opportunities, I can help you secure the funds you need without the lengthy approval processes typical of traditional loans.

If you ever have clients or come across investment opportunities where a hard money loan could help close the deal, feel free to reach out.

My wife and I are interested in leveraging a 2-10 acre single family property into a longer term RV park with 8-15 pads.We've been in communication with the county.