I’m also interested in banking with a community oriented bank or credit union, black owned bank/CU, or similar, but interest rates there are often lower than online HYSAs.

Try credit unions.

Up to 80% if FICO is over 780, no appraisal under $250k value.First Republic - CAFremont Bank- CAFrost Bank - TXFulton Bank, PA, NJGFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NHGranite State CUNH 90-100%Great Lakes Credit UnionChicago area ILGTE FinancialTampa, Sarasota area FL w 2 yrs tax history on propertyHanscom FCU, TXHSBC 70%, for premier clients only.

credit unions are best for that 

The bucket was halfway filled with South African Krugerrands and American Eagle gold coins.

You might consider approaching larger banks for a HELOC on an investment property, as most smaller banks and credit unions typically lend only on primary residences.

So usually no complaints from a bank on that aspect unless maybe you're at a small Savings and Loan or Credit Union.   2.

.- thanks  1)  you likely wont be able to use the financing contingency  as it sounds like the loan is available at 80% ltv ...check with your realtor  or a real estate attorney  2)  rates are coming down so check the terms from the lender that can offer  80% or 75%  ltv 3) contact  the smaller to mid size banks and credit unions that are close to the subject property for options   4) if you have the means to leverage the 10% difference via HELOC / retirement account loan or  some other tool- consider it - good luck

-so what you could try for financing  on anything less conventional- package the land lease and the factory built tiny home, and approach your local credit union until you find a combination that works.Anyway you should also read up on co housing, co-ops, (yes condos) and other clustered developments as they apply to your county codes.

I know of people going with Credit Unions getting significantly lower rates than the rest of the market, but then I know of plenty of lenders claiming that you can’t get that at all.