90% finance on a debt free new construction property

[Andy Quesada]

Hello, I have a property that is not owed any money , the title is free an clear and the sell prices goes for 380-395K. My issue is that I need to take out at least 85-90% to be able to build another property and placing a mortgage on this one. My credit is currently not the best so I can't re-finance through a conventional means . The reason for the 85-90% requisite is because I have to add the price of a vacant lot to the 2nd property's build cost. What loan product can I use to keep my current property , rent it so it can help pay for the loan while I build the second property ? I am a builder so I know what my cost to build the 2nd property will be , please help I currently only see the sell option of the current property i have.