The value of the land is estimated to be about 35% of the total cost of the project, I have an excellent credit score, high income and very low DTI so qualifying for a loan would not be an issue, other than the fact that I am not a GC.

I will talk to my credit union and see the options! 

I know it can be hard to get rural loans unless you are using a local bank or credit union. 

U.S. credit is not necessary as the loan will be assigned a 680 credit score. 

As an owner occupant, a 658 credit score should be fine to get a loan.

If you finance the purchase of the land through a traditional source bank/credit union most will require at least 20% down.

I'd imagine you can get much better rates even if you go with a no PPP as long as you have good credit score...

Well I own one on Union Street, not far from that property.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

@DeAndre MasonIf you are only 2 points off being able to accomplish your financing, mortgage brokers should have resources to refer you to be able to boost your credit score.