*Most* of the time, especially early in your investing, you can book enough losses to offset income between improvements, depreciation, taxes, insurance, mortgage interest, vacancies.

I know they can be financed just like a stick built construction loan, however, my credit union is not doing construction loans right now and does not have a time frame for when they will (SECU).I want to use the land as down payment if possible and finance the modular and the site prep for it.Looking at getting a new modular duplex or a SFH. 

My question is, when buying a home, do most here use big banks for loans?

if so, you would need a bridge loan.

I haven't yet looked into a DSCR loan and what the differences would be.

Research the market to find favorable conditions, such as job growth, population expansion, and affordability.Assess your financial status and consider different financing options such as conventional mortgages, private lenders, hard money loans, and innovative financing approaches.

I’ve maxed out my VA loan benefit with three homes.Keep up the momentum!

Since you still have a job, try to get an FHA loan or better yet, a 203k loan for a distressed multi unit.

Will they allow a loan assumption as the new deed owner? 

I want to purchase a condo with the loan 100% in my name, with the intention of completely remodeling the unit for potential rental opportunity.