Keep in mind this lender does not know you  does not really know the property.. they are simply making a loan based on a loan application and some sort of apprasial..

. - The 4% rule is a helpful benchmark but leaves a LOT to be desired in terms of projecting retirement income from a liquid portfolio.

I would love to hear from any lenders that can offer assistance with a loan to consolidate this debt (~100k).

If the seller is insisting on a high price with not-so-hot financing terms, though, this may be a riskier project than it's worth.

Yes the loan would be secured by the land initially and then everything affixed to the land as you develop it.  

I’m currently exploring both short-term and long-term rentals but haven’t decided which route to take yet—so I’d really appreciate any advice from those with experience!

Long-term rentals are a solid choice, but mid-term rentals in medical hubs (like yours) can offer strong cash flow with less turnover. 

@Charlotte WilsonAs long as you continue to occupy the property you purchase with an FHA loan and you're not applying for owner occupant financing on the other property, that shouldn't be a problem.

I've personally worked with Eric more than once for a Land Loan!

Instead, we use our hybrid co-hosting model—marketing entire homes to corporate partners for mid-term leases, like $7,300/month vs. $2,300 long-term, then back to Airbnb.