Is your previous lender a family member or a close friend? 

Quote from @Chris Seveney: @Francisco AvancenaThere are specific lenders who will do land dealsBut of course not as many as traditional real estate.The key will be skin in the game - typically for land because it is less liquid than a home the lender will want to have a lower ltv on the deal I fund land flippers currently in  CO FLA WA ID MT NV AZ OR TX SC GA VA  one thing about land though LTV is lower and RATES are NOT the same as typical HML rates are higher for raw land but its a specialty niche and a business that I grew up in..

This is particularly true in California.I recommend finding a good attorney with a LOT of experience helping landlords with evictions. 

Quote from @Michell Chase: I am working with a hard lender on a purchase/reno and they require a builders risk policy even though 1 unit of the 3/4 will have a tenant.  

I'd go on ABnB and see what your competition is doing that you can copy.Maybe a Firepit out front (as long as it's not a fire hazard), maybe a cornhole set?

Say you have a 3% rate. 

Never used a DSCR loan in the past and have always understood those rates to be higher by a point or two in most cases. 

He's been a BP contributor for a long time and is well respected.

Perhaps the next one is - a Mentor.

Quote from @William A Colas: Hey guys, been lurking on BP for a couple years.