This could involve offering a higher interest rate in exchange for reduced upfront costs or deferring payments until a certain milestone.If building right away isn’t feasible, consider buying the lot now with the goal of paying it off over time, and save up to build when rates and budgets align.

@William Bohan, Yeah, being a CA resident you'll have to do a 1031 exchange or your tax will approach 40%. 

How do you do a key exchange? 

Then you can combine or exchange for a better or more consolidated/ better proforming area.  

This means that the property doesn't qualify for the extension, probably because it doesn't meet the covenants such as DSCR or debt yield, so the lender is making an exception and is willing to grant the extension in exchange for the $4 million.

You don’t kill your whole exchange.

Is there a way for us to exchange information?

I feel the exchange of currency will be the only part of real estate that will go crypto because cities, counties, states, and etc. like to be sovereign.

You will have to 1031 exchange.

If the property doesn't appraise you are then overpaying for the property in exchange for a turnkey experience."