Im looking for lender recommendations that can do a lot-final loan in one type deal. I am not sure how common this is, but my realtors lender isnt being very upfront so its time for me to shop around.
If you want to build right away then it can be done, but if you are looking at purchasing then holding for a period before construction that is a different animal.
Are you thinking about closing costs with having more that one close?
You are looking for a 'One Time Close' construction loan. Several lenders here have the product. I do not at this time.
You will need 20% equity to the closing. Maybe 15% but not as common. You will also need all your design plans so a 'to be completed' appraisal to determine future value.
I recommend buying the lot first to secure the lot you want. Then work on the construction loan which will pay off the lien on the lot when you close that one.