I have the credit and will be funding and backing the loan. 

Quote from @Chris Mason: Rather than starting with one lender and going back to the tenants, another approach would be to work with a commercial mortgage broker who will put the full credit package in front of 10 or a dozen lenders, and see what they come back with.For example, for scenarios like this, I've seen lenders come back and offer a new loan that has a maturity that's coterminous with the lease.

There' s a buyer who will credit me the value of the lots towards a finished and tenanted property in their inventory.  

Cleveland has one of the lowest rent/price ratios in the nation.When looking to be under $100k, Cleveland will be the better option because you're not going to find any rent-ready deals in Columbus at that price range. 

You also get free credits on sign up to try them out.

My credit is poor right now but can easily be improved as my income is much better lately. 

With the help of JURNY I am able to instant book guests all day as I collect IDs, selfies, credit card holds and rental agreements on every stay (yes Airbnb and VRBO included)Whatsapp: I use this to communicate with my cleaners.

Mostly on trade accounts with local businesses for the materials, some business credit cards, some of the contractors were OK with waiting 30 days for payment. 

People with good credit scores can even be denied.

So when we had this property under contract for $92k ($95k purchase price with 3% buyer commission credit because I'm a licensed agent), it was an amazing deal.