Should I price the land 2 times above market value and offer a low interest rateORPrice the land at current market and use a very high rate?

Normal mortgage rates are in the high 6's now, for a personal residence, and higher for an investment property. 

Click-through rate (CTR) helps measure how effective your ad is at grabbing attention, and if it’s low, you might need to adjust your targeting or creative.

A DSCR loan only removes the income piece and adds a slightly higher rate and prepayment penalty.

Forth, what is your interest rate?

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

The interest rate on a HELOC or Heloan may be better than the personal loan. 

That is tight leverage for an investment 2nd position loan.A private investor might be willing to do it, it's not going to be cheap at all & will be short-term money & will not be a line of credit to take out at your liking.What is your rate on the 1st?

Kyle, south of Austin, ranked No. 2 with a 9% increase to 62,548 people, up from its third-spot ranking last year, while Leander, northwest of Austin, saw a 7.6% boost in population to 80,067 people, according to the data.In the new data set, Austin's population is pegged at 979,882 in 2023 — up 0.5% from the year prior — dropping it from the 10th to the 11th most populous city in the country behind Jacksonville, Florida, which has an estimated population of 985,843.Still, the Austin metro isn't stagnating.

Keep looking, but be prepared for higher interest rates with maybe maximum of 65% loan amounts (hopefully more though).