Do you mean it would need an architect because that's required by the jurisdiction, or because the project itself would need an architect's expertise?

Unless you suddenly become a stellar STR Host and property (requiring additional spending), why not sell and make some better financial decisions....

What’s required for success in this is deep knowledge of real estate in general and the area in particular; experience in real estate and the local laws, etc.; and capital to pay for options, marketing, legal counsel, accounting, tax advise, etc.  

I am based in Virginia and licensing requirements here seem manageable.

Follow the law and send the exact required notices. 

Any EPA issues or studies required for your financing?

Renting a garden unit, for instance, could generate $1,200/month but must comply with city codes to avoid fines.4.

Now, you can get some wholesalers but they usually don't know if the property will fit the requirements and regulations but you can learn that from the Realtor. 

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

Since you’re building from the ground up, a hard money loan can be a great option because traditional banks tend to be slow and have stricter requirements for new construction.