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I would check with your largest local real estate investor association as hard money lenders vary by location.

Part of that will depend on where the lots are too..cost of transport/fuel to the site could impact that to some degree (Think places like Poinciana vs Deland) both fairly close to Orlando, but Poinciana is far less convenient.Hope this helps.

check if the association allows you to rent it out for both long and short term rentals. looking for expenses in can be covered with rent like any other RE. is the association finances stable.

You don’t need hundreds of properties, or have an advanced degree to change your life.

Now, I'm not saying we were racially profiled, but a Greek dual citizen married to a Russian nationalized citizen with plenty of Eastern European associates and friends...hell, if I was the Justice Department, I would want a closer look at us, too and good for them for doing their jobs.

If they are not attorneys, then they are only opining and telling you what they think, or what they a have been trained, what their broker told them, or association, etc.

SC Upstate.I am in a mastermind group comprised of leaders from different Real Estate associations and they all say deals can be found everywhere.

Once you look into the time and money associated with these options you will probably decide to just move on, and they know that which is why they ghosted the way they did. 

Central Florida Realty Investors Association - metro Orlando real estate investment club (cfri.net)