Free and clear property as collateral?

[Michael Randle]

I hope to keep this an easy question. Sorry for posting this in two places but I am not 100% sure this is the right place.

If I have a free and clear land that I want to build a 5+ building on, will a bank accept the title to the land, or can I use land as collateral to secure a loan and build on it? I know there are probably some fine tune details to get it cleared but fundamentally would someone be able to use collateral for new Multi-family construction?

Thanks!