Or do a partial slab, leaving key trenches in place to run water and sewer, and slide into place.

For your area standard laminate sounds fine.

I know there are some areas that this is standard, and maybe yours is one of these. 

The rate is higher than with the standard prepay but if you are still looking to be at rental rates but have the option to sell within a year or so it is a great option.

How come no one has created a standard form for hard money lending where the terms are easily comparable across them?

But per lot it will cost roughly the following:$1,500 Electrical poles, meter installation $2,000 water taps and connections$5,000 grading and land prep$8,000 septic installation (assuming a 1:1 ratio of homes to 1000 gallon septics)$5,000 down payment on each home ($700-750 / thereafter per unit)$21,500 total set up x 17 = $365,000Ongoing expenses after development would look something this for POH model: $12,750 a month in mobile home mortgages (17 x 750 for PITI on each unit) $1,900 a month in land mortgage PITI (house) $3,000 a month landscaping$2,000 a month in reserve emergency fund$2,200 management$21,850 a month total expenses $262,200‬/yearOngoing incomes after development would look something this for POH model:$27,000/month ($1500 x 18 {17 mobile homes plus house})$324,000/year324k-262,2k = 61,800 net pre-tax profit or $5,150/month.Opportunities to reduce start up expenses: Bulk deals with the government or contractors for doing all the work at once (electrical, water, land grading, septic) Trade free rent for someone to mow and landscape (turning a $3k event into a $650 event every month).

I like all that they offer which is Standard Servicing $35 includes:Customer ServicePayment ProcessingMonthly StatementsCredit ReportingEscrow ImpoundsInvestor ReportingArm Loan AdjustmentsLate NoticesMaturity LettersDefault Servicing (Non Performing) $85 includes all the above as well as:Loss Mitigation Repayment PlansLoan ModificationsShort Sale ProcessingDeed in LieuCollection CallsBreach LettersForeclosure Prep & ReferralBankruptcy Referral & MonitoringForeclosure Sale BidsREO-Eviction ProcessingIm not real excited about their pricing and I wonder if they're are other companies who do the same job for a lower price.

Which means even if you had an inspector there on that day, it would be a few days before you could get coverage (assuming there were no issues needing remedying first, like an old water heater, roof, etc.).  

I hear a lot about standard personal loans, mortgages, etc - but do banks or smaller players consider situations like the above?

While interesting, it may be challenging to meet US building codes and standards.