Not a developer, but I think typically builders don’t want to have more than 25% of the finished product into the lot costs.....seems like your purchase price is too close to the individual lot values, after subdivision.

If you need a recommendation for a local bank on the refi --- I'd suggest Credit Union of New Jersey. 

I would recommend refinancing the first 4 with a portfolio loan to get it off your credit report and then you wouldn't have that issue anymore. 

Suppose the worst case scenario transpires, can you borrow from a 401k or credit card at a reasonable interest rate, sell some stock, etc.?

Setra Systems is one company that makes these products.

I am deep in credit card debt and we live paycheck to paycheck.

I have a HELOC I use, and two lines of credit, but I use them for short term projects.

Just got a notification for my credit report that the account for my loan was closed?

You could take a personal loan to cover it, or a line of credit on your primary home, if you have equity

How do i go about doing this with bad credit?