Due to inexperience opted for a 10 year loan which is going to clear in 4 years.

I chose the creative finance path because I started out as a loan officer bailing out pre-foreclosures, which you could do back in the day. 

@Craig JonesMost private lenders will want 10%+ return so you mix the loans and you mine as well refinance it at today’s rates.

You can use a Heloc if you have one in place just make sure you are talking to an experienced Banker or Loan officer.

And as I told the Auditor why would I go to Indy in Feb.. and look I have 10 loans on my books in Indy and I live in Oregon..

Lakefront land prices are at a premium so I need to accelerate the timeline by taking out a land loan(or other financing) to fund further improvements.I have owned the property over 7 years and have been using my own time & money to clear the property and make improvements.

There are no penalty fees for paying off the loans early, FYI.Anything in this workflow that I'm missing? 

They suggested we refinance a loan of 600k with me on it.

Is it possible for me to get a loan? 

Financing does exist to provide 85-90% LTC for rehab loans, but still requires 10-15% down + closing costs + reserves to start your rehab.