Assuming this is a clean file, with no exceptions required, most Underwriters take anywhere from 48-72 hours to review a loan and get CTC, or provide further conditions. 

However I’m not ignorant to the fact that there is a lot out there just collecting money and not providing much. 

Some options that might be viable for you include: Private Lenders – Such investors usually offer short-term lending but provide greater flexibility compared to a traditional hard money lender.Lines of Credit – Another alternative could be an excellent option to finance several deals at once using a business line of credit or HELOC (if it applies).

Or paying off my debt, while I provide them with a nice house to live in instead of an apartment. 

Each note is reviewed individually and most note buyers will provide quotes once the transaction has closed, recorded, and the first payment made. 

Does any one have any leads on lenders who provide loan for groundup constructions and the criteria?

Keep providing value add options for your owners & they'll keep knocking.

Perhaps the East Asian hospitality industry provides full refunds no questions asked. 

She provided me incorrect information and my 6% locked rate ended up closing at 9.99%.

I am asking anyone knowledgeable to provide any measures or strategies that could materially make a difference in heading off the risk of serious financial harm of the eviction process with non-paying tenants.