Property owner with low income needs finance options for duplex construction

[Daniel Twigden]

Sorry about the long title. 

Hello fellow bigger pockets members. 

I own a property clear and free on lake Tulloch CA. The improvements have been made. Water, sewer and power pole. 

The land is good to build on and is zoned R2 multi residential. 

I plan on building a humble two story duplex pair of flats. Under $400K

I have a architect/structural engineer working on basic house plans. 

I want to do long term rental in the property once completed as it looks as though Airbnb has flooded the market of late and there is a shortage of long term rentals in the area. 

The property has a excellent neighborhood and is surrounded by lots of wonderful homes that all have lake access. 

So here is the rub. I’m a part time shop teacher and metal worker. On paper I don’t look like a good investment. I own the land I’m building on and my family owns the house I live in. So my bills are low. But my monthly income take home is about 3k a month. I’m a dad and sole provider for my family and I’ve got about 15k in debt. My credit is about 610. Not so good. 

So how do I get this investment built and working for me. I’m open to all suggestions. Please lay some knowledge on me. 
There must be a creative way to get the duplex financed so I can get a return on my investment. 

Here is a link to some information on the location. 
Link

Thank you. Dan