@Bill Hamilton  as a broker and a very active buyer.. the whole distinction is I am a buyer..

My product (houses) and services must provide value before I receive compensation...it's called sales.

supercheapsigns.com Great products, user friendly and pretty quick turn around

If you've paid your debt to society, shouldn't you be allowed to become a productive member of it?

There's only some much time to devote to this stuff and when your schedule simply has no room left you have to carve out the ones that appear the least lucrative or productive. 

Variables that impact production (lighting, co2, pests) are more easily controlled in an indoor environment.

I'm asking why would a bank give a construction loan to someone that can't afford the final product?

But once you start doing a number of deals and can build some trust with a lender you will have more negotiating power.Bear in mind that my model was more a a "landlord product" where I took out a HML for 90 days and then quickly refinanced into a conventional loan after the rehab. 

Additionally, cash can be an effective strategy to acquire properties in situations with multiple competing buyers, or at property auctions.In each of these situations, cash provides either the only way to acquire an attractive asset, or delivers a distinct advantage over financing.

Does it depend on the loan product?