Quote from @Chris Seveney: @Francisco AvancenaThere are specific lenders who will do land dealsBut of course not as many as traditional real estate.The key will be skin in the game - typically for land because it is less liquid than a home the lender will want to have a lower ltv on the deal I fund land flippers currently in  CO FLA WA ID MT NV AZ OR TX SC GA VA  one thing about land though LTV is lower and RATES are NOT the same as typical HML rates are higher for raw land but its a specialty niche and a business that I grew up in..

The home was a bank foreclosure from a reverse mortgage.

The home was a bank foreclosure from a reverse mortgage.

Cody,If you want to work with a bank or lender to build on a piece of vacant land you will need to be on title of the land for at least 6 months.

Quote from @Andrew Steffens: I know you said not using HELOC on personal property, but there are banks who do HELOC on investment properties. 

A lot of people who ask about international don't have cash so it's even less feasible to do as they don't understand banking in other countries.

I launched a coaching program aimed at real estate agents who want to transition from traditional transactions to building their own portfolios.

The banks have been encouraged by the fed to work deals out with borrowers and I think that will continue to happen.

Local banks.

If you want to put the deposit in a out of state/online bank, then you will have to furnish a bond.