Its not a spec play, it will lease up +- $15NNN.You need to dig deeper on a site plan, coverage, off site detention is great, that should push your FAR up.

Tenant maintenance includes changing the HVAC system filters, batteries, trash cans, electric light bulbs, fuses, resetting circuit breakers, cleaning of appliances, as well as window air conditioning units, humidifiers, and de-humidifiers, or any other services not specifically listed as supplied in this Lease Agreement at Tenant’s expense.

What types of programs are typically available for borrowers with 800 scores, 1m liquid, looking for 350 to 400k loan to buy land and build a spec for resale.

Curbs, gutters, utilities temporary and permanent, architect plans specs, planning dept asks for changes adding fees, fencing to keep out the stealers, temporary porta potty, and then in a year you get the okay to start.

The batteries last about 6 months in each camera before recharging (aka no wiring either). 

For SPEC loans, lenders will finance both the lot purchase and the vertical construction. 

You might find the property you buy is landlocked and your first job as the new owner is getting legal access.As for access to the interior of the house, if you have a battery powered drill you can get access. 

In your case, you own the land so you're looking to hire a builder (not a developer) to build on spec.

For illustration purposes if there's a block of identical homes of the same vintage and one was just renovated and you intend on renovating the same vintage home to the same specs (and was of same pre-renovation condition), you can make reasonable assumptions.

She put 3 test kits throughout the place this past week and each one had a few specs of mold - see pictures below/attached.