Skills, tools, subs, muscle you have to complete fast on paper.Architectural plans with elevations.Plat map, drawing where house goes, title report, gas lines, cost breakdowns, temporary power...Reports of existing utilities.Notes on conversation with planning desk on time frame.Combining the two loan types can be done, you need to be a great secretarial story teller on paper.

I think making things easy for your tenants, i.e. electronic lease agreements, ACH bank payments, etc. helps the process. 

You've clearly been exercising your mental muscle for deal analysis and there will be others.

Their online transfer systems (ACH, wires, zelle) is more convenient than any other banks I’ve come across.

@JP LeonardAs you mention you cannot subdivide the lot but as a partition agreeement I think that would cause serious heart ache for you to sell later and for whoever owns the back half as well later on.Recognize also whether a bank would also lend against this type of deal.

Since I can accept payment via both ACH and CC, I've been putting a 3% surcharge on credit cards (available by request).

Maybe an ACH form for auto payment information. 

They are like two different muscle groups, so why spend years working out your legs if your goal is to have big arms?

Looking for a good online program for tenants to pay rent. There's a lot to choose from, any recommendations?

It's essentially Stessa partnered with a 3rd party bank where the rent payments are ACH-ed into and it is a high yielding account.