Stuck getting a house built

[Daniel Twigden]

https://youtu.be/TsZl6nxYjkkHello,

My Names Dan. 45 and a blue collar guy with a small family. 
I had a dream of building a compact 3 unit multi family building to house hack on lake Tulloch in CA. Beautiful lake close to the Bay Area SF. I purchased the land, paid it off. Its got sewer, water and power set up. It preciously had a house on the land that was demolished prior to my purchase so the land has most of the first time taxes paid and has a proven viability. I’ve had soil reports and surveys done. The land is zoned multiple residential R2 and is right by the lake with access to a boat club. But this is as far as I have gotten. I live rent free in family accommodations but I am a part time school teach and have a modest income. I also have about $15k in credit cards that’s killing me after Covid happened. My credits about 620 and so here I am unable to get traditional loans to get the construction done.   I know if I can get the project built that I can get it rented and paying for itself right away. 

 I plan on doing a 3 story set of appartments. 3 compact two bed, one and half bath. All with the same floor plan. 

I’d love to get financing from a hard money lender or someone who can help me get this first investment in the bag. What options do I have?