You certainly 'can' work directly with the builder, but you will NOT save any money by doing so.

Is there anyway to get rent money same day?

I actually don't like middleman banks almost as much as I don't like middleman property managers. lolIn this day in age, I should be able to have access to my money whenever I want, without jumping through hoops: two-factor authentication, giving my SSN, DOB, address, verifying over the phone, etc.

If this is a commercial/hard money lender, this does not exist.

While I was doing that I saved a chunk of money.

You only really have a couple of options.HELOC/LOC with the property as security.Refinance the first and walk away with a bigger first.A great way to get into properties with little money down though is to buy distressed assets at a discount, force appreciate them, and refinance to pull the cash out.

If there happens to be such a law demand the money be placed in a high yield bank account where you get 100% of the interest.

Which seems strange why they would tie up money but nowadays the scams are pretty creative.

I wasn't surprised when I stumbled upon an article in my news feed this morning titled "Realtors 'Running out of Money'."

I've put 90% of my money in other investments.