Perhaps the land attorney can use this lack of curb and gutter as incentive in negotiations, which the engineers were quite confident they would be successful with.

And don't get me started on the former point, there's plentiful of experiences first hand where agents just try to get too cute due to a lack of knowledge and a dogmatic view of a 6month lookback at pricing.

More than likely, the loan officer on your file either A) didnt know their own product very well, or B) glossed over this aspect in order to get the loan to closed due to a lack of integrity. 

The reason I say this is if someone pays $40k for training and they only have say $50k - it does not matter how awesome the training is, the chances of following up with success would be impeded due to lack of cash. 

All this can be done while you are working on your credit/debt if you want.What you lack right now is leverage. 

However, I can refute your ability to manage a truly quality deal, in essence your experience or lack thereof. 

Here are some key red flags to watch for:🔴 Lack of experience: A borrower without a proven track record in real estate projects may struggle to navigate unexpected challenges.🔴 Overly optimistic projections: Unrealistic ARV (after-repair value) or underestimated rehab costs can signal poor planning—or worse, a lack of transparency.🔴 Incomplete or disorganized documentation: Missing detailed plans, financial statements, or timelines could mean the borrower isn’t ready to execute the project successfully.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

And how do I go about getting a mentor/ or even taken seriously with lack of experience?

I was 37 when we got started for all of the reasons you stated and I lacked the knowledge/discipline that I would later find.

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.