As for finding new lenders in southern California for construction loans, there are several sources, depending on where in the process you are.Most lenders want you to have permits approved before they will lend, meaning you have to have the money for all the upfront work, design, civil and structural engineering, soils test, and permit application fees. 

I have a wonderful family, a beautiful wife who I share five healthy and beautiful  children with.

I'm not sure exactly what you would like to know about me but maybe this will help:-I'm a 25 year old salesman for a healthy snacks distribution company...

@Jimmy NguyenIMO earthwork and subgrade work consistently rank as the biggest impact to changes due to unforeseen conditions or not enough soils investigation.

The cost there is largely the cost to build the home as there is no huge issue with supply and demand.I believe the entire California coast is similar but I also believe SF prices are high more because of its healthy tech industry than super climate (not that the climate is bad but it is not San Diego). 

The lot is 14,000sq/ft, so I'd imagine that would be a big to-do, unless only the soil under the house footprint would need replaced. 

The bank also said they know it's there and will not address it. my offer would reflect the cost of having to rip up the driveway and have the tank removed and possibly the cost of having contaminated soil removed.

Not necessarily a nightmare story but a example of an issue with our properties, on our second project which which was literally a hundred feet from our first we ran into soil issues and had to have an engineered footing which ended up doubling our foundation cost on our first duplex on the property.  

@Jonathan Gilkeson  absolute last place I would buy   buy and hold I small properties Is TEXASyou do not benefit from no state income tax.. property taxs are off the charts and soil conditions almost always assure you of major repairs in a given 5 to 10 year holdMany many other markets that are comparibale.. and do not have these inpediments I see Texas as a locals market so they can take advantage of no state income tax.

I havent heard of one in WI that requires more frequent pumping. yes no disposal, and advisable to have a filter on the washing machine discharge as well, and good idea to have them drop enzyme tabs monthly as well, but in all honesty, a good working system will work  20-40 years (average life expectancy) or longer with out any issues. around here a 3 bedroom system replacement (tank and drain field) runs around $5-$6K but a mound with clay soil can easily exceed $20K so lots of variables.