If I'm saving for the down payment for my next real estate investment, I would put the money in a more liquid type of saving or investment product.

Just have to run your number on the market and the product type (i.e. small houses versus big houses, etc).

Those incentives can be great opportunities  builder pain is  very regional and product type dictates..

I have looked at other investments with her, but did not find the product we wanted at a price we were willing pay.  

The contractor isnt your enemy , he is there to give you a finished product at an agreed price .

Reach out if you have any questions on these products as they are one of my areas of expertise.

There are plenty of licensed brokers who specialize in off-market product, so they are arguably wholesalers, but they have the reputation and backing of the shop they have their license at.

I guess thats better than getting ghosted.

What I mean is that on most products on a investment property 2 unit building the max loan to value is going to be 70% or maybe 75% loan to value.

Know the lenders requirements for the loan types you will need.For instance you may find you need to have liquid cash of 9 Months P&I and 100% of the loan amount as your personal net worth in order to avoid personal guarantees on the loan, and your retirement accounts may not count towards your liquidity.Know the requirements of the loan products for the apartments you want to buy.There are no books for that, that I know of--just lenders info.Because without that all else is just scholastic exercise.Good Luck!