There are amazing no income no doc programs and for first time investors available . 50% of the land and 100% of construction . what are you looking to build ? 

I didn’t have to put the 25% down since bought it as an investment property but  with that, to have around 100k in equity and I’m trying to figure out the next steps,  Is there any way around having to wait the 6months to do a heloc or cash out, and when I do to actually do it is there any way for banks to not look at income as a factor if wether or not I am approved?  

there are options for no income no doc loans available covering 100% of the construction and welcomes first time investors .

Look for properties that require minor renovations or improvements to increase rental income and property value.

My wife and I currently have about $120k in W2 income and I plan on keeping my W2 job until I can no longer justify it.

Ultimately I would like to invest in more rental properties for "passive income" 

many licensed institutions offer the same exact product and better terms most of the time then private money still being no income no doc and welcoming first time investors .

I want to be a stay at home mom and plan to get back out in 3.5 years So I need to make the best of the double income currently. 10k a month in cashflow from would be great, currently at about 3k.

)- I'm wanting to open a HYSA for holding the two deposits and then a checking account for the house as a whole for repairs and income collection etc...

I had to generate 100's of leads in order to eventually find a good property that will work.Figure out a process/system that will allow you to generate leads like a machine.