NEED ASSISTANCE

Thank you for any help you can give us on this Residential Land Refinance in Montana. We have thousands of projects mostly commercial 1M USD and up. This project does not fit our minimums. We need a unique lender for it…
PROJECT DESCRIPTION
10 acres of raw land in Yellowstone County, Montana. Land is zoned for residential homes and is considered prime building space. Land was appraised 6 months ago at $400,000. There are no structures on the property. NEEDS ANALYSIS Client wants to refinance property to consolidate credit card debt. Currently has a $60,000 lien against the property. FINANCIAL STATUS Client credit score is 603. DTI with loan will be 24/24. Earns $86,000 base salary and with annual bonuses earns a total of approximately $150,000.