Mortgage guys out there? For real?

[Rich Weese]

OK. I've been in MS looking for projects to build for GO Zone before time expires. I have ONE fellow from BP who has sent me info on potential loan.
Here is my request. EXAMPLE
I have a project that is approved and ready to build. I have the builder, property mgr, etc. I've spent 4 days talking to all banks in the MS gulf area. I found one bank willing to accept a loan ap package.
The project from drawings will appraise foe 5 million. I can build it with land for 4 mil. I'm willing to put 1 mil into a cd at the bank and want to borrow 4 mil of which 1 mil is mine. The bank will have 3 mil loaned on a 5 mil project-60%ltv. If you SERIOUSLY have a lender what would the following be:

terms-, int rate, amort period, and length of balloon.
qualification requirements- ficos, my low income tax returns, personal guarantees, or property as security?
I'm also looking at a project twice that size on the same ratios.
If you have something, ADD me as a colleague and e-mail me, or reply here. I'm very experienced in real estate and have assembled a great team to get it done. Thanks. Rich.