Keeping Land Loan separate from site prep and home loan

[Spencer Elliott]

Long story short, land is on loan and I'm purchasing a manufactured lot as a temporary home/future ADU to my final build. The rate the manufacturer offers is 4.8% which is why I am going through them. The bank they are using with that offer is now saying my site prep bid came in way too high and not approving me (so far. still in process). Is it possible to keep my land loan out of it to keep the total cost low? The way I see it is I am 2 years into the amortization of a 10 year land loan anyway… so it might be a viable solution.
I will ask them, but wanted to ask this group first to keep me well armed in any negotiations.