The smart play would be to build a two story wood frame structure on top of piers or concrete block in most cases. 35 feet is a pretty typical height limit in most neighborhoods, so depending on elevation you SHOULD be able to build two stories on top of the elevated foundation.

Quote from @Gerald Wallace: I'm playing Devil's advocate and running your numbers through the worst-case scenario.

Commercial PML will do the same, they'll have the credit and b.g. inquiry.You mean a true Private Individual with capital for lending? 

Properties north of Greenridge St. are a fair play. 

Credit scores are a reflection of someone's ability to learning and understanding the rules of the game and haveing the discipline to play by them.If you already have good credit, already pay everything on time (autopay), then increaseing your limits will probably help you the most, because it gets your utilization down, ideally under 10%.Higher hanging fruits are average credit and account age (just have to wait for that I guess) and inquiries, which are sometimes unavoidable as real estate investors.  

I'm curious to know if anyone has enrolled in courses offered by individuals like Tom Cruz or Section8Karim.

This guarantor, who may be an individual or another entity, will be responsible for the difference between what is owed to the lender to make them whole and what has been recovered.If the lender makes the loan to an individual (natural person), this person is implicitly the guarantor via the note, and no separate guarantee is needed.

How do hard money lenders that do not put them selves out to the public and lend only to 3 individuals I know that have LLC's.

Maybe play dumb a little "I don't know if I'm in the right place..."

Go learn how to be nicer or go play in traffic!