[Zeke]

Hard to imagine that a bank would fund a project just because a contractor was doing it over an owner builder. Banks do what they do, but a lot of contractors are far worse than many OB's.

I would think that you could approach the bank with a better construction schedule, bids in place and a bit more of an equity position. Or, hire a contractor as a consultant and give him/her a small fee to pull the permits and look in once a week. I'd do that in a heartbeat for you.

All a bank is looking for is the best place to put the money. Show them the best place.