Can anyone recommend a lender or possible solutions to move forward.  

In my experience, the lender doesn't care what I do on the lots as long as I pay the mortgage.  

There are many 30-year options for this with nationwide or even Texas regional lenders

I always find REIA meetings great for networking with local lenders, contractors, property managers and other like minded investors who are usually willing to share referrals.

He's a nationwide lender and dually licensed RE Broker so can help with structuring.

So banks can just say they hold for investment - which equates now to $517B in unrealized losses because of this accounting trickThe moment banks have to move these to their liabilities on the books that will suck a lot of liquidity out of the market due to fractional lending…. https://dailyhodl-com.cdn.ampproject.org/v/s/dailyhodl.com/2024/06/02/517000000000-in-unrealized-losses-hit-us-banking-system-as-fdic-warns-63-lenders-on-brink-of-insolvency/amp/?

Seems like word would get out, but maybe there are enough smaller vendors looking for work that they're willing to take a chance.I remember back in the day there were issues with banks/lenders wanting us to take on AP for them with all the property preservations. 

Should I call the borrower, the lender or Special Servicer?

I came across an existing note for sale from a private lender liquidating their portfolio.  

Start listening to the BiggerPockets podcast starting at the very beginning and start growing your network, look on Facebook/BiggerPockets for different events, find a mentor doing what you want to do, and get to know the local lenders/brokers.