From your profile it says you live in Littleton which would not be in the stated "Colorado Ski Resort Town" :) so you would need to find another way.Something that is sometimes done is to purchase with hard money or use the equity from another property as collateral to get the new property bought and fix it up.

Here's a high level checklist, assuming you have done all of the important due diligence up front, especially the tax and title review and BK search.Initial StepsBoard the loan to servicingReview the hard copy collateral and make sure everything is there - Original note, assignments, allonges.Record your assignmentIf you don't have a BPO, get one or find a local agent to do a drive by and give you a first hand opinion on value and condition.Contact the BorrowerIf the borrower is in active bankruptcy, the following bullets do not apply. 

If you have strong credit and good W-2 income and have assets to put up as collateral, you can get a loan from a small bank you have a relationship with.

Almost no lender will allow you to sell the lots separately if all three were pledged as collateral.  

I am however looking to borrow against them as collateral.

I believe we’d also need to cross-collateralize our 2 existing properties (Florida and Virginia) as part of this.

Lastly, I would imagine that with all of the small business ownership involved, there's probably a local bank that already has a UCC filed and is unlikely to play ball with a private lender who's trying to realize their collateral.

SBA Loan 10% collateral.

As far as partnering up with a lender, absolutely because you can't learn the game in 6 months, but what you need to look at and understand is the risk and that goes further than just collateral when dealing with brokers. 

Your credit is good, but not amazing and your DTI is just a touch below the max that banks like to see.A personal loan is non-collateralized, so the lender really has to feel confident in your ability to pay it back.I would suggest taking a different route.