yes, and no-cost basis.

I have been self employed for more than two years. 750+ credit but income is low right now.

Solid home with low maintenance.

If so what is your cost to build per sq. ft.?

I've been a low level buy-and-hold investor for years with just a couple properties under my belt. 

Since you already have a VA loan (zero or low DP) your entitlement has been reduced. 

I’m in Florida, but know enough to tell you that California is cost prohibitive, so yes it is a tough market.  

We welcome any suggestions or insights you may have Additionally, if anyone has information on the approximate cost of building a duplex and triplex in California, we would greatly appreciate your input.To provide context, neighboring properties in our area offer insights into the local housing market.

While it does add extra time and cost, I think it's worth it to have a more finished looking project 

But when I add in the cost of paying on the HELOC as well, it gets even farther from penciling.