I am a general business major and also currently working on obtaining my real estate license to become an agent.

There are very few lenders that will allow you to close in a personal name in FL.

I purchase the land from a local jeweler who I tracked down at his business and asked he was interested in selling.

I've walked their properties in-person, and their build quality is good.

Hard to say one way or another without knowing your personal finances, goals etc., but it seems like a good deal. 

I'm looking to build a fix and flip business and I need a ton of knowledge. 

Have you calculated what your (monthly nut) is you need to survive business wise and personally?

From what I have researched they seem legitimate but the person I am working with is flakey, takes forever to answer questions so I thought I would see if anyone else had experience with this lender.  

It's definitely tricky because you want to be considerate and you are also running a business.

Every loan and bank will have its associated fees and cost as its the price to do business but if you see more leverage in tapping into existing equity that could very well be the case.