If you are just holding the lot, then there are more favorable terms available than what you are currently experiencing.I always recommend shopping at least 3 different lenders (even more), as every single institution has different terms and requirements, and they all offer different financing products.

So I got to deal with institutional investors, I got to sit in on acquisition meetings hearing how they approach acquisitions and operations.  

Before you say "I am a fiduciary" please go submit your ADV or regulatory documents to the Institute for the Fiduciary Standard as I have and get third-party approval that you are in fact a fiduciary. 

Local banks are more tailored for conventional programs, so you may want to look into institutional companies that specializes in commercial financing.

If an institutional lender is happy at 50% LTV to a foreign national and the seller will supply another chunk of the debt (for example, 30% 2nd), you might end up in a fine situation for financing.4.

https://www.biggerpockets.com/blog/wall-street-is-not-buying...Wall Street is not exactly the easiest group of institutions to defend, in large part because they most certainly do merit an enormous amount of criticism for many of the financial shenanigans they engaged in that helped contribute to the 2008 Financial Crisis, such as being bailed out by taxpayers only to give out exorbitant bonuses to their executives before needing to be bailed out again when COVID struck.

Because your counterparty is going to be Joe Schmo rather than a professional institution which will likely add some challenges that you're not used to. 

I have a couple degrees from private institutions. 😪 Property Management was a career change about 2 years ago.

It's similar to what wall street institutional investors do.

Most of them are achieved through traditional lenders and institutions like banks, but some are accomplished through less traditional means.