@Gary Charlton   as others have stated a HML is about equity... and it sounds like you have an equity problem. the property is in Texas.. so your best bet is a lender closest to the asset.doubtful a Texas lender will use Florida Raw land as cross collateral . finding an equity partner is all you need to do.. and if your only off by 5% and your putting in 20% yourself this should be relativily easy as long as the property is a good one.

The hospital and medical school along with it bordering Shrewsbury provide stability for rent rates and property values.

Hi Experts:I came cross a recorded "Memorandum of Contractor for Sale of Real Property".  

If you cross over the border there are a few meetings on the MA North shore and the NEREIA in Chelmsford.  

The basic flip formula of 70% NRV borders on predatory imo.Even things like seller financing / land contracts / etc... strike me as a bit shady.  

They don't cross reference, and don't care.  

I have also lived in the US on two separate occasions before, one time where i was a cross country tour guide which took me to 39 states, so i know US history and geography better than most normal americans do as it was my job, and another time when i completed my Masters Degree in Real Estate investment at the University of North Carolina.

Be aware that you will most likely have to cross collateralize all the properties to qualify.

These guys will cross off a lot of options you think you had 

The seller's age is indeed something that also crossed my mind!