I can speak for Coldwell Banker in Waldorf.

Its a bunch of elaborate marketing and a great web page for buying mutual whole life and using your policy value (cash value) to buy more real estate then using your real estate and paying back your whole life plan loan higher than the rate youre borrowing at so you can keep rinising and repeating.In theory you grow your wealth up more and more and build up your RE portfolio and you in essence "become your own banker," AKA nelson nash's book.Cash flow banking is a new marketing spin off for infinite banking (nelson nash), cash flow banking (website above),  private reserves strategy (anderson advisors in NV/WA),  bank of yourself (kim butler), and etc.The problem is funding your WHL (whole life policy) and every dollar you start out with hits huge drag because every dollar contributed only nets around 65-80 cents.

A banker's motto is Cash is King.

Inspection and terms are understood, appraisal, good relationships with Title company, insurance agent and mortgage banker should not be a problem...

Did you ever meet a poor banker?

You NEVER have to ask permission from a banker AGAIN for as long as you have credit on your HELOC. 

You might also try a few more mortgage BROKERS (rather than banks or mortgage bankers).

i'd like to build all the lots, however i dont have enough cash, as i have it tied up in other building lots and properties. i've talked to a couple local bankers, and they dont think they can loan money.  

You absolutely need to build a relationship with a conventional banker.

It was done by purchasing undervalued apartments, making them presentable, filling them with good residents, and selling.Once I had a million in NW, I joined up with an attorney/banker for some joint ventures.