Essentially I am finding and procuring the land/lot via traditional financing and funding everything through the development phase until we get to Construction Loan. 

.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs 

THe calls are forwarded to my cell phone and I can then move them in or assist them via remote log in to my office computer.  

I think it would be worthwhile for you to chat with your local TD branch about the ability to get a USA mortgage via TD Bank in the USA. 

Ended up funnelling a bunch of traffic to this particular Credit Union who accidentally ended up financing automobiles via home equity, not exactly the risk profile they had sought out!

I mean what else are they saying for that $7k, "break-through" revelations of genius like pick 1,2,3 wall colors for your units and paint em all with that keeping the paint codes so refresh paint can be done via touchup.....

So instead of paying the bank for a home equity line of credit on my first home and paying them interest, I was able to use a personal loan to myself via my employer 403b and pay myself back with interest. 

For these types of questions - it would make sense to start by getting some quotes and term sheets from actual hard money lenders (larger companies, found via google or the directory on BP) - can still do the private money - but these terms they give you can easily be the starting point - and you will likely get a lender to walk you through them for free anyway

I guess it’s verte two years later than neverBased on my “research” that includes YouTube videos and chat GPT this is done via a trust, in which the lender is the beneficiary and the borrower is the trustor and the title company or lawyer is the trustee.

With properties, you can live in them for 2 of the past 5 years and waive a massive amount of capital gains taxes on the sale via Section 121.