Personally I think this is a shady way to do business and a good way to damage a reputation.

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.

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?  

(Not to mention damaging the apt).

I wonder if it got any damage from Irma.

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

I do have fairly good credit, and plenty of sweat equity.