does anyone know of a credit union, or private lender who does cash out refinance on lots of land??

As you do more deals and have a track record, you will be able to retain more of the deal.

The market of bank real estate asset wholeselling for example is very closed to a select few companies that invest millions of dollars, but when you see that big names like credit suisse invested over 150 million euros last year with one local bank's properties you have to wonder why these guys are puting so many eggs in this basket. 

As of right now, the rate is at 9.6% with 0.125 lender credit with us.

Get a business line of credit for a single family home owned under our LLC.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

You can also refinance again later to pull out more cash if the equity increases.HELOC (Home Equity Line of Credit): This would allow you to take out $20k as needed while keeping the current mortgage in place.

Commit to spending less, paying off high interest credit cards, maintaining positive cash flow in your personal finances, and cleaning up your personal balance sheet.  

I've had several bids, all much higher than the original, unrealistically low contract price, with of course a lot of variety in the price, experience, and track record of various builders.

They would be the ones to answer that question based on your credit, income, debts, if you qualify for down payment assistance, etc.A second point, is that if you find a house within your means and don’t overextend yourself, you will likely come out on top in terms of housing costs compared to renting in the long run.