How To Get Lending on Unique Deal

[Charlie Pioli]

Hi all. I was looking for creative ideas how I can secure lending for this deal that came across recently. It's four modular homes located on 0.7 acre land, and I would be buying the homes and land together. I don't think it's technically permitted to have multiple homes on the agriculturally zoned land here in Orange County, FL, but it's grandfathered in is what my realtor told me. This is what is making it hard to find a commercial lender (this property is considered multifamily on the MLS).

I would prefer to avoid hard money lenders, or any rate above 10%. Any advice much appreciated!