It could be a good bridge until you get your own license though.  

If you have 35% then you can get a bridge loan for 1-3 years for renovation.

I'm not sure the best way to go, cash back refi on the land, (and use that cash and remaining cash I have to build) construction loan, bridge loan?

Investigate a bridge loan to complete the project and fill it asap to get on track.

BUT, like was said, going around her could be needless, and burn a bridge.

You may need to eventually take on a credit partner but you can cross that bridge when you get there.

Jackson... first off if your borrowing in TN  99% of HML you will call are NOT licensed to lend in TN it takes a very special state license to lend there.. and now the reality comes to play your looking for tiny loans... many could just be blowing you off because they don't want to do tiny loans.. there is NO MONEY in tiny loans..keep in mind a HML of any repute @Ann Bellamy@Jason Hirko  needs to make 5k minimum in the door per file other wise it simply is not worth their time.. combination of you being out of state  tiny loans and in a state that if a HML is going to be legal needs special licensing  is what your running up against.Jason your rehabs don't have foundation issues do they   LOL  every deal I ever did in Texas has foundation issues.. the go to HML company in TN is Bridge Financing in Memphis call those boys.. but expect to pay at least 5k per file.. 

how's it going guys Im in the market to buy my first piece of property  Originally I was looking at single family homes in Hazlet, Aberdeen, matawan , old bridge  however I was told that Perth amboy Is up and comming with Lots of development Does anyone have any experience in this area ?

There are no low bridges all the way to the Gulf from this house!

In the future, I want to avoid burning bridges with contractors who give me estimates, since even if I don't want to work with them on a particular job, I may be interested in hiring them for different work at a later time.