Commercial Construction Loan

[Van Ngo]

Hi everyone, we are in the process of building a 7 units complex downtown area, San Diego. We are about a month away from getting the permit (2 years now) and we own the land (value at 650K), any guidance on commercial loan would be great. Although we have great income, but nothing to the amount that gonna need for the project. Also anyone has experience with how does getting a builder play in the process of applying? I'm assuming we just need to identify a builder? or do we need a contract?