Rural area free and clear mid rehab refinance options?

[Geoff Perkins]

I purchased a 107 year old home to renovate and live in about 2 years ago. Originally it was going to be a lipstick rehab, but knowing the risks, we decided to upgrade the foundation before we started. Some walls cracked as expected but upon removing the damaged plaster we discovered that the re-wire and re-plumb that had been done 6 years prior were both full of code violations. We then decided to gut the house and do a complete renovation. This blasted our budget out of line. We tried 4 different loans and each said that they could lend in its current condition but in the end the underwriters said no to the house being under construction. Does anyone know of a lender that will lend on a rural-ish “owner occupied” property that is mid rehab that is free and clear? Thank you