I am a Lender / Investor from Washington State.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I would just check with your lender to verify that the property will be eligible for refinancing after the construction loan.

For owner occupied properties federal law requires lenders to verify the ability to repay by the borrower.

But keep getting push back from Lender, and insurance (mainly lender).

Brokers (versed in these development deals to help you negotiate the right contract terms), Lenders willing to fund a construction and permanent loan, architects & engineers vs in land development to help site plan the project, contractors to price the project to help dial in your UW. 

This lender wants 75% LTV one quarter, and boom you blink and they want 55% LTV, or their rates jump up all of a sudden.

But it is generally a bad idea to discuss litigation strategy in a public forum using your real name.

You can start by going to your county public works website and find the cost for tapping into sewer and water.

This is like having operating expenses on a business before the doors are open to the public.