who finances bare commercial land?

[Jason K.]

Tried owner finance and the terms were crummy.

Tried wells fargo and they want me to take a construction loan as well.

Are there reasonable options to finance a commercial lot? I plan to use some cash I have saved to slowly build out the lot as a site for my business while renting the back half to an associates business. Im looking for a lender with reasonable terms (20 year am rate, less than 8% interest and 70% LTV).