At 25% down I’m looking at roughly $2300 for principal, insurance, and taxes per month on a 30 year loan at 7.6%. 

What you are seeking here is an acquisiton/bridge loan.

I have about 60K in Heloc money I could use to purchase land lot in the Red River Gorge of Campton KY, pay that land off with the heloc, then use that paid off land to secure a construction loan from the bank or PM lender for a new ground up build.

My wife keeps telling me about a $0 down payment loan option that she’s been hearing about where if you can show that the rent will be greater than the mortgage, this type of loan will require $0 down or lower than the 20/25% requirement. 

Hey All,Wondering if anyone has seen this out there in the last month or if anyone has a referral of any banks currently offering this loan option?

The only reasons I would consider it would be to qualify for some private loan if I didn't want the loan to be under my personal name or if I was looking to finance a property before the seasoning period.

We want Cash flow. we are going to get loan. 

It would obviously be on the investor's tax returns but would the investor even need to disclose the business's holdings to the bank when applying for a loan to tap into the equity on the personal property?

What would happen to the loan if I am the sole heir to this property? 

So, talk to a CPA about what you want to do.Also, once you sell a house on Subject To, the loan is still in your name but the ownership is not.