If you’re not occupying the property and plan to either sell it or keep it as a rental, you might want to consider a bridge loan through a hard money lender.

It's hard to provide any advice without more context with your situation.

It was hard to argue.

He took a hard look at his portfolio and noticed a few underperforming properties.

A lot of Hard Money lenders don't like to fund on land.

Without this information it is hard to give a GREAT recommendation.  

I'd need to finance with hard money.

If a property is located on a lot smashed into a subdivision I have a hard time seeing how an aerial picture would make a difference.

And this is why you fix your DTI issue, so you can do things properly and not get "creative" and learn the hard way.  

If the answer to the last question is yes, I think it'll be a hard choice.I see a reasonable appreciation rate for underwriting at about 6% based on neighborhood scout, so nominally I think you'll make 10-11% if you had paid cash which means I think you'll do quite well holding on (20% returns or so).