@Brian Lesko is this the duplex on Grant St.?

I've been trying to research raw land loans and from the (granted few) banks I've spoken to, they will not loan on raw land-they recommend getting a personal loan out at a ridiculous rate 10-15% interest (they didn't run my credit, it was just an estimate for a personal loan, but I have very good credit-around 760 I believe), to cover the land and then refinance to a construction loan once there is a well and septic as I understand...So was wondering what other options I had as far as financing and what others have used?  

Even in Texas, a very Pro Landlord state, we have properties that are in very liberal jurisdictions and the judges delayed granting our evictions to give residents more time to pay their balance.

@Justin Grant Just a couple of thoughts. 1.

There are 3% down conventional products as well, and Movement Mortgage currently has a 3% grant (never needs to be paid back, apparently) on a conventional product if you are below a certain income threshold, so may be worth contacting them.  

@Luis CruzI've never heard of a lender basing their decision to grant the HELOC on the warranty-type.

Typically I see it being used on properties from 10-80k in value (granted the ARV is 150k range). 

Then I hear news that Freddie will no longer allow lenders to contribute grants to reach the 3% down payment requirementI am looking for suggestions to overcome the down payment hurdle.  

Granted, I am saying this as someone who owns property in 4 different metro areas.

They won't be around much longer =/ But one I haven't seen yet is the Habitat for Humanity Re-Store granted it's a mix of selections but the prices are great if you can get appliances.