Construction Loan?

[Lanny Necaise]

I figured if anyone could point me in the right direction it would be theBiggerPockets community.  So this is my current situation.  I was pre-approved for a conventional mortgage loan for $300,000 with 3% down.  I am currently searching for a home but cannot find what we are looking for so I am now wanting to build vs buy.  The banks are all wanting 15-20%down for a construction loan.  I can not come up with that down payment at this time and would really prefer building.  I have found a piece of property for $45,000 but was wanting to see if you guys and gals have any advice to get around the large down payment for a construction loan?  I do own a manufactured home out of state that i'm using as a rental property.  Would banks use a manufactured home for additional collateral for a down payment if i can put 5% down?  Any ideas or suggestions would be appreciated.