A no income no doc DSCR (debt service coverage ratio) would be a great option for you .

Is finding a bank to loan me, the only option? 

The intent of my post was to share this idea with those interested as an option to consider.

Another option is to have your entry way onto your property at the very beginning and not all along the road. 

I'm originally from San Francisco, CA and started investing in 2021.

The cash you get form either of those options helps to cover the down payment on future purchases.After you have purchased a few homes and have a good chunk of change you can get into 5+ units and start using DSCR to buy apartment style homes where you can focus on affordable living options and things like section 8.

Also, since there is a huge gap in the industry in teaching people how to understand development and the different options we've launched an education arm to help bridge that gap so it's not just the "big guys" with deep pockets that can be a developer. 

I am not familiar at all with subject-to but is that an option here?

While Newark may have potential, Columbus offers a broader range of options and stronger growth prospects.

Another option you could explore is HELOC since you have equity.