Also, most banks have a seasoning period before you can cash out refi and our credit union is 2 years, but they will do 80% loan to value.

I would think the buyer agent would be worried silly about blowing past the financing contingency period and screaming on the phone at the appraiser for you. 

If your investors are not accredited there is a limit of 35 in a rolling 90 period. 

Of course, I am in California, but I save tens of thousands of dollars over a 10-year period because now I don't have to pay for water, pay a gardener, or pay thousands of dollars to remove trees.The next thing we do is we usually paint the entire outside of the apartment building to make the place look fresh and then you won't have to paint it again for 20+ years.

You want to find out enough information during this period to see if the property is worth digging further into.Best of luck!

Basically I want to keep my payments down during the construction period so I thought option A would make sense with interest payments only.

Basically, it's going to be owner finance over a period of 18 years. 

The buyer is qualified and has the credit, but banks will no longer make loans it seems without my name being on the deed for the seasoning period, I mean is the government buying every single loan now days?

Hi @Elsa Long correct most wholesalers limit themselves to cash buyers or Private money/Hard money because of the short period of contingency period they have to move the property. 

I would also avoid gold, as it's not a great investment, barely above inflation in most cases over long periods.