. $3100 mo- Assumable VA loan. - Market rents: $1900-$2100- Sell Comps: $230,000Situation: I don't have the cash to service the debt while repairs are being done. 

You cannot use credit card funds for the vast majority of loan programs.

Can anyone recommend who I could work with to get a construction loan in greater Asheville?

Be advised, however, that we did NOT sue our former bank on the basis of discrimination but on issues related directly to their actions against us contrary to our loan agreement. 

The home i live in is a low interest loan and i only owe another 40k on it, will be paid off within 4 years.

What are some banks/lenders that have loan products for development/new construction projects (building from the ground up)?

You should have some serious conviction around rents and model the refi at year 10, even though it’s a 25 year loan.

@Dan Fritschen, can she find a loan and refinance out some cash instead?

.* How does it benefit the buyer when the owner carries the loan? 

It is fairly easy to get a loan modification or other alternative to foreclosure (Assuming its Fannie/Freddie, which is still 70% of the market) these days and values are not declining so, its not like we were chasing values down like we were 08-16."