Your intent was to hold the lot for productive use with a rental on it. 

Products - and your rental is a product - are priced based on all kinds of factors, including scarcity, business objectives, long-term strategies, etc.

It'll be a mix of on demand videos, live Q&A sessions, and a step-by-step curriculum to help you get your next deal.

@Eric TilsonDepends mostly on the loan products. 

If it’s like a MN farm it will be a tiny percent if it’s only housing or a section (640 acres) but a much larger percent if it’s housing plus grain or machinery storage on a quarter (160 acres) usually 3-10 acres can be included with the buildings if it isn’t production land. 

I would also do a video chat so you can feel them out, ask tons of ???

A friend of mine has 20 door at good cash flow from each and now his banker calls HIM with deals they've found complete with a loan product ready to go. 

I spent a few hours one night on Google watching lock picking videos by a locksmith.

With such a head wind coming from getting a commercial loan you may want to look at non-qualified mortgage products like debt-service-coverage-ratio loans or possibly a HELOC.

(I.e. don't try to use the hammer to drive screws and paint walls no matter how good you've gotten with it, it simply won't lead to a good end product.)ThanksAndrew