I think the only "safe" bet is gold, even with how volatile it has been over the last couple weeks as people panic.

There are some good ones, but to be fair their objective is to make money and if you send them on chases with $0 return, odds are you won't get a lot of attention.

But if you're spending too much buying unnecessary junk, it doesn't matter what you do or where: odds are you'll keep doing the same thing and end up with a mess.Let's get back to basics:1) Are you doing a written monthly budget and living on less income than you earn?

Equity loans on land are tough to come by and typically only would lend 50% +/- Ask your local lender/credit union would be the best bet

So, while opinions vary, In my mind, the response to your initial question is another question:Why would you engage in a risk maneuver in which the odds are stacked against you, instead of the ownership side where most of the odds are decidedly in your favor?

If you feel that you can succeed if you follow your plan, but you are procrastinating, I suggest working under someone like a different whole seller, and you job is to get deals, I bet you will start making deals happen because there is a boss on top of you that expects results, then after a few deals you can go and do it on your own, since you did it a few times (This is what I would have done in this situation) good luck.

As far as qualifying for the loan, your best bet is to talk to your lender and see what they need from you to get you approved. 

I find it odd for a septic to be 5' or deeper, they are normally 4' or less. 

Price range I bet is her problem. 

People are not spending it and you can bet the IRS is going to get it.