I have a great opportunity for lending since my restaurant is already well off and they would consider the businesses financials for the loan.

Personally, I feel you should start off with understanding what actual reality is.

Once construction is completed and cash-out refinance complete I will pay off the seller I financed the land from.Is this feasible?

He has his hands in a lot of different things and made all of his initial money off his contracting business.

Although I think you’re better off doing the job you have now.

We do TONS of fix and flips here in Denver, and I help numerous STR clients as well.

You may also get lucky and be at 80% LTV to drop off the FHA MIP monthly insurance.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I can answer here since I think we are getting a bit off the rails.

To them, the property is paid off, they aren't ambitious to grow, and they just want that mailbox money to enjoy retirement, so I say they are perfectly fine with a longer lease term.