.- Do you have 200-250k cash, or is that what you can get with your loan amount?

As they see their money is safe and you're succeeding with your plans, they'll usually ask to increase the amount of money they loan to you.

started the interest rate at 8.5% and wrote in the contract that their interest rate will change anytime my bank loan's changes (every 5 years) and will always remain 2.5 interest points above...for what it's worth...i have another under contract that hopefully will close soon..i'd be interested in hearing about this wally wrap as well bryan...what was that?

A bank will not give you the $ as you have to show ability to repay the loan. 

However, at closing, we did not take out the multi-million-dollar A&D Loan that would be required to purchase the property and construct the subdivision.

I began shopping for a large construction loan to build a new car wash on the land. 

I have a great one in Kansas City for over 15 years that I've used multiple times (only auto loans however), but hoping to branch out locally as I begin my investor journey in Arizona. 

THe lender is a credit union and it is a conventional low rate loan.

It’s unfortunate as their loan officer was stellar.

If you would like to hold the property for longer, that is fine as well, just note that your loan payment will be done after 20 years.