Land Development Lenders for secondary market!?!?!?

Cannot seem to find anyone to provide Horizontal funds without an attached vertical component!!! Building multi rental community in AL secondary market, land owned FC, need $1.5M for 6-mo to get site vertical ready. CBRE appraisal dated 12/30/24 as-is $3.8M, 42%LTV request should not be this hard to find. Looking to leverage the land for the majority of this request to get through the dirt work while we finalize sale of a couple assets in the REO in order to strengthen our liquid position in addition to the value spike of the land upon completion of horizontal should enable us an easy 60-unit phase 1 build out as it's most cost efficient.

What am I missing here!? Does anyone know who's lending on dirt currently!?!?!?