My advice would be to have a banker/broker/loan officer pull her full credit report and take a thorough look at everything causing the low scores.Quick fixes for just score improvement can be having a family member or a partner add you as an "Authorized User" on a credit card with a 30-40% credit balance to credit limit ratio. 

We are trying to think about ideas to generate cash flow out of a 18 acre plot land nearby to offset mortgage payments. 

Yes, I’ve also spent well over 20 years in the military and I’ve seen how fear aversion can often silence others or in this case, encourage inaction.

However, if you intend to hold the property long-term or plan to pass it down to the next generation, you may want a smaller land value with a higher value to depreciable property since you won’t trigger a gain.

I have had decent success with it, but it's a matter of consistency (keep mailing the list forever) and follow up once you do generate some leads.

So far those that I've spoken with weren't very encouraging.

Sometimes its just the encouragement or confidence needed to push us into "our lanes."  

This is a great place to learn and network.There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/pro If you want to learn from people in a specific area you’d like to invest in, or have a desire to find people interested in certain topics, you could use the search feature here: https://www.biggerpockets.com/search/users

Just like the folks on BP encourage partners without money to apply a skilled trade to get into deals, you're offering the same thing with development.  

But I have been intrigued lately with the concept of wholesaling and was thinking I may try and send out a bulk mailing to hopefully generate some leads.