I can give you a list of earnest money lenders.

In this scenario I'd recommend approaching your lender first and getting a bank appraisal on the property to figure out how much $ you technically have to maneuver with. 

We have four bathrooms and rarely use the one on the second floor when compared to the rest.I ran the water about 10-15 minutes a day for a week or so, threw a few scent pellets down the drain (bought at home depot).

Are there any building regulations for quadplex that are more complicated compared to duplexes?

Can get a ground up construction loan at 50% down on the land and lender will give you 100% of the construction upto 65% ARV .

With the right lender, it only takes a couple weeks.Here’s the link for more info: https://www.va.gov/housing-assistance/home-loans/loan-types/...Your current lender may offer this, but check around.I used the VA IRRRL in 2018.I wish you all the best.

I’ve read that lenders typically don’t lend on land due to the risks.

Make a simple excel sheet and compare your rent for the next 10 years using 3% escalation vs 5% and 10%.  

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Quick question...I am Ohio and connecting with private lenders to assist me in funding my next deal.If the purchase and transaction is with a real estate agent and you have a private lender for your loan, is that considered a "cash" purchase in terms of the real estate contract and telling the seller, or is that still considered financing?