Currently in San Diego on orders, and it's a short drive away.

My question is this 2 of the bedrooms have a door separating them commonly known as a walk thru bedroom.

At the moment I’m sourcing for my 1st multi unit 2-4 thru FHA in the Joliet area.

I usually have the audio stuff playing while on my drives.

It looks like if that's the case, investors might as well cover the construction costs and not go thru the hassle of a draw. 

I visited my bank this morning but their mortgage person works at branches all over the state and indicated he would try to call me in the morning.My W2 job is a 40 minute drive from home and most of the branches he works out of, while I have no problem dropping what I am doing and headed his way if necessary, since I only have a "may call back" I am feeling like I am going to miss out on a $50k future equity deal.

I'd recommend you see Huntsville, Madison, and Decatur for yourself - I think you will understand the census data very quickly when you drive through all 3 locations and compare them.   

I'll start looking for places to interact with other investors and drive for dollars on my days off.

Just keep in mind, every penny given to Zillow funds their warchest to drive you (and me) out of business.

It also drives down the value of your property.