USDA (not all towns), VA (Veterans only - with a DD214), NACA (has some hurdles to jump through.Alternatively, we could negotiate an option, which lets you tie the property up while you organize your finances.There's some due diligence to go through - price, condition and location.That said, you might be able to find the right home faster than you think. 

I am not looking for a quick dollar and my long term goal is to buy and hold, and leverage rentals to purchase more.

My goal is to eventually become financially independent to the point of being able to work my current job 6 months out of the year.

Only goal is to avoid expensive foundation problems.

However, I was wondering if I can jump to my goal faster.Goal: Buy a lot and build two vertical five plex row townhomes, approx. 1,200/1,400sf each (garage at the bottom) in a B neighborhood, and hold.

Incomes in Sacramento are rising faster than inflation, but not in Stockton. 

A Project Manager for every 3 jobs and a Punch List inspector to go in 2 days before finish and get the house ready for staging.The goal is to offer 14, 29, 44 and 59 day rehabs.

Ask the title companies.But take heart if the goal is good service with an experienced accommodator. 

Deciding to take the remaining balance as a distribution next year should accomplish the goals you mentioned.

@Kian T. everyone has different goals, and there is nothing wrong with having equity.