Thanks again everyone for the brush up in information@fahim I'm actually looking in Manhattan (still not sure if it's the best idea) but it's super close to work.

It is easy to brush off when you consider the source. 

@Bryan Tilos Have you ever considered soft money?

I am sure your approach has been very soft and constructive, but I wanted to quickly remind everyone this is probably item number 14 on this person's list.  

I am looking options on who can finance with a construction loan, as well as any advice on how to project soft costs, hard costs, and other miscellaneous fees. 

I am looking for recommendations on possible lenders who can finance with construction loans, and would also appreciate any advice regarding estimating costs such as soft costs, hard costs, and miscellaneous fees.

Soft Cost is extra. 

I have tried and tested a few of the hard money lenders in Philly which provide "soft money" rates. 

You need to brush up on Fair Housing Laws.

I had previously knocked on their door twice to offer because I have a truck and live in an area with free brush recycling but no answer.