[MysticLlama]

I'd see if you can get a little info on the land loans if possible first, there are lots of banks and lenders that don't do them, and it'd be good to at least have an idea of how hard it might be in your area before getting stuck with it.

Though still, with the HELOC likely just as low or lower than a land only deal, it's not urgent other than for cash flow purposes, and I think there will be some time before that flips.