This is a job for construction or hard money financing, and approval rides on the deal's numbers and your equity far more than your paycheck. Standard purchase loans like FHA and conventional are built for finished homes, so set those aside for this project. Hard money lenders underwrite the asset. That helps if your income history has gaps: if you own the land free and clear and it has real value, that equity carries a lot of the approval. If you don't, expect to bring a large down payment. The trade-off is cost. Hard money is short-term, with a higher rate and points than a regular mortgage, so the project's margin has to be wide enough to absorb it. The steps, in order: - Nail down the project and your exit before you borrow. Build cost, timeline, and a realistic resale value. - Line up contractor bids and a clear scope so the lender can underwrite the as-completed value. - Show your equity or down payment. That is your skin in the game. - Close and draw. The lender sizes the loan against the finished value, funds in draws as the build progresses, and expects repayment from the sale or a refinance at completion. One honest caution. Building to sell is a capital-intensive, professional venture with thin margins and real execution risk, especially without a trades background or steady income behind you. Run the full budget with a contingency before you commit. If you want a second set of eyes on the financing side, that is what the free Roadmap conversation is for.