Acquire the land through a seller-financed deal for the deed to the land and use it for collateral to cover the 20% down payment needed for the construction loan. 

I know they can be financed just like a stick built construction loan, however, my credit union is not doing construction loans right now and does not have a time frame for when they will (SECU).I want to use the land as down payment if possible and finance the modular and the site prep for it.Looking at getting a new modular duplex or a SFH. 

I’ve maxed out my VA loan benefit with three homes.Keep up the momentum!

Research the market to find favorable conditions, such as job growth, population expansion, and affordability.Assess your financial status and consider different financing options such as conventional mortgages, private lenders, hard money loans, and innovative financing approaches.

if so, you would need a bridge loan.

Since you still have a job, try to get an FHA loan or better yet, a 203k loan for a distressed multi unit.

This makes it a little difficult to get a VA loan with multifamily.

Will they allow a loan assumption as the new deed owner? 

we have until spring of 2025 until our balloon loan either has to be refinanced or paid off (we got this loan because we intended to build, of course) and now i feel like it's a ticking time bomb.we conducted "clean and satisfactory" (no issues whatsoever to build) soil and foundation tests and provided those to every buyer. it seemed (not quite sure here) like they backed out once they reviewed the tests - yet there is nothing negative in them. we will not be providing these tests moving forward (as we had to do them ourselves and feel that each buyer should do their due diligence moving forward!)

I want to purchase a condo with the loan 100% in my name, with the intention of completely remodeling the unit for potential rental opportunity.