BobS – Thanks for the info. Someone once told me commercial loans, i.e. for something like a 5-plex, are cheaper than for SFH. My situation is different b/c the property is raw undeveloped land. I know hard money loans are $$$$. I was hoping if I could get some kind of short-term secured loan w/the commercial lot that it would be less. I appreciate the advice. I’m not sure how “cooperative” the seller will be. They’re looking at 60 days and it’s foreclosure time.