I've seen @Tim Thornton below pretty active on the airbnb posts.

Not saying to let that influence you, but If I was a betting man that’s what I’d guess.

I'm not sure about construction loans, but the local banks will be your best bet.

You should check out the local REIA up there since it is very active.

If they have gusset plates then I would bet they should be replaced if they have signs of high heat damage. 

I plan on building spec homes as active income and building rental properties for passive income.

I'd use at least 8-12 months to budget for your schedule before you can even break ground.In terms of financing, I don't see how you can make it work with hard money, so your best bet is to find a partner, especially someone who has done this type of work since banks want to see a track record with experience. 

That's all about me, I feel like I know a lot of the active members on the site reading your responses and posts, but nice to let you know a little about myself!

I bet that will be hard to find even with a major rehab. 1% rule is 10 Cap + or thereabouts.

@Nicholas Norris If you plan on getting your RE license, you still need to find a broker to take you on and let you stay active as a part time or full time agent.