Searching on the internet it looks like 8% is extremely conservative.  

hello I'm Rupert from Arizona, new to the game but shoot for the stars trying to be rookie of the year.

Going to attempt to summarize everything up to this point.Current Stage of construction: FramingWe purchased this lot about 3 years ago for $6000Have built 3 homes in this same neighborhood, this is our 4thTook about 6 months of re-zoning to allow for a variance in the rear of the property so we could maximize the size of the home, mainly to accomadate a master bedroom downstairsLot was vacant, cleared out a few trees and started on the foundation, concrete slabAltered the plan a bit so that the patio faced east instead of north, thus making it open to the patio.Project Description: 2-story home, 3 bed, 2.5 bath, 1 office, 1 game room/4th bed2808 sqft,  Lot  6,568 sqft        

Hi @Julia Shevchenko,I don't remember the exact name of the program I used, but I found it on the internet and it was free.There are many available.  

I'm new to BiggerPockets but I am not new to the real estate game!

Yes, you may be out of a few dollars due to interest but this is a part of the game.  

Good Credit, guaranteed money back, skin in the game (money down)????

I see all over the internet a short answer of no, but what about the following situations:1) example: you invest 10k from IRA and 10k from personal bank account to purchase a property.

I am pretty open about my business and don’t mind helping follow BPers because I really believe that real estate is not a zero sum game.

No Internet in prison.