@Mitch Kuehn Hey Mitch, welcome to the site and welcome to the real estate investing world!

They have to hold money in reserves for non-performing notes that they can not lend out. it decimates their bottom line so unless they have to,they won’t.

Do not feel too bad as this site is full of hobby landlords that know nothing about operating this business.

First you've got to drill into what the performance of that property will be. 

Search this site for info.

Does the site send out automatic notifications to the tenants via phone every month to remind them of rent payment?

In any case, you might find the cost will be more than just trucking away excess dirt (or relocating it on site, if you're that lucky). 

I've seen things about Philadelphia C.U. and other places in PA that have done it with zero seasoning time, but haven't seen much on this site about institutions that will loan that quickly on NJ properties. 

When I started out, I picked apart information on the City-data site. 

I spoke with one guy that seemed very professional and respectable that offered to take a serious on-site look through my project and advise me for $500, prior to potentially putting together a plan and coming on as a general contractor.