Banks will use 75% of actual rents plus your W2 income and then apply their DTI ratio along with credit score and all the other things that go into them determining if they will finance the deal.

Find out what they will lend and walk through their preapproval to make sure there are no red flags with you (debt to income, credit score, etc.).There is always risk.

Be prepared to talk pros and cons. if inherited them may have stepped up basis so no tax consequence.Would you pay a premium to get terms?

It can be done with an LLC, The rate will depend on LTV and credit score.

Then simultaneously we get our buyers connected with a credit enhancement company.  

I've been trying to research raw land loans and from the (granted few) banks I've spoken to, they will not loan on raw land-they recommend getting a personal loan out at a ridiculous rate 10-15% interest (they didn't run my credit, it was just an estimate for a personal loan, but I have very good credit-around 760 I believe), to cover the land and then refinance to a construction loan once there is a well and septic as I understand...So was wondering what other options I had as far as financing and what others have used?  

Your name, license number,brokerage (if any) and license status is publicly available.The NAR,State Board,and local boards have agreements with suppliers to give your contact information away to them so they can advertise their services to you.Be prepared for an avalanche of emails and snail mail in the next few weeks.

My first thought is how to find the small banks or credit unions and how to go about the conversation? 

If they prepare the plan and take it to the City that is your best shot.

USAA gives examples -- "pay off transition expenses, consolidate high-interest credit card debt or buy a reliable, economical car."