Unless the land had such a signifacant value like over $500K you might find a private lender to put a junior lien against it if you own it "free and clear".I have seen some private lenders offer a higher LTV even 100% if the collateral is sufficient, but again land is tough to resell unless its commerically zoned in a great location.  

The cost of labor and materials now is insane.The type of work on my custom house is about 400 a foot.

I feel it needs to be exactly comparable or better if it's a modular build...which is very tough to do but can be done.

I know just getting buyers to sign buyer brokers agreements is tough as they just dont understand it ..

For affordable housing, the average construction cost is generally lower than market-rate projects but still substantial due to various factors such as labor, materials, and compliance with affordable housing regulations.Affordable Housing Construction Cost: The cost to build affordable housing in Oregon ranges between $250 and $350 per square foot as of 2024.

Cost savings over 30 years is irrelevant as it's unlikely to materialize. - No one knows what will happen in the future.

If you are a solid investor focused agent, I’d be game to discussIt is extremely tough to find cash flow almost anywhere and you have to be very creative to do so in south Florida.  

Tough decision for me.

It's going to be a tough gig to cashflow with only 3.5% down.

If the fed cut rates next month it's possible some of this capital will become more active, although tough to say.