You could also run a “quick title” search for $50 with a local title company to make sure there are no outstanding liens on the property.

I have, however, done some casual searching online for local credit unions, and have found at least a small handful that will lend higher than 85% LTV (with less favorable terms, obviously).

Otherwise, 10 months just to construct/build two houses seems slow. 

If you search the forums there are loads of threads on this topic.

I've searched on Google and I have no idea where to start.

Search for her name and send her a message or PM me. 

I’ve been on the search to add another multi family investment to our portfolio.

Sheila,I think your search should be first for the Agent not necessarily the company.  

The incentive for the seller (who's already had one deal go south b/c of buyer financing issues) is a quick close during a slow time of year and no bank headaches.

Searching the forums, I found some information about yr end truck purchases, but not for large equipment.