"Bulk up" - put 25% down payment + 30y mortgage, get as many assets as you can (let's assume 400K/50K=8), keep bulking from additional savings.

The Operating Agreement must contain language sufficient to address IRA-related issues concerning Prohibited Transactions (26 USC 4975), The Plan Asset Rules, the allowance of subsequent or additional Capital Contributions and Unrelated Business Income Tax (including language that ensures that the Manager of the LLC will prepare and file all necessary tax forms with the appropriate taxing authorities, Federal, State and local).

Having the license is super beneficial because you can earn additional income from helping friends/family and also convert non wholesale deals to listings if the seller isn't motivated enough. 

I will provide additional information if necessary!

Or a lender who will only lend for the land and once I have additional cash to leverage I can start the build?

No additional credit pulls or applications.

Additional taxes and fees apply.

JenniferIf doing additional move in costs, rather than collecting 2x the security deposit I would collect last months rent if you aren’t doing so already.

If the bank did this, and the hoa is trying to come after you for additional money, tell them to pound sand.  

Don't get any additional debt.