I own 5 improved lots in Arizona City, Arizona. My defintion of an improved lot is paved street, curb & gutter, water meter, sewer, electric and telephone. These lots are worth 30K-35K. There is no balance owed on the lots. They are free and clear. The new homes (1500 SF) in the area are selling for 200K. I have plans for a 1625 SF home in plan check. I will break ground to build this house 2-01-06. I am a licensed general contractor in Cailfornia and Arizona. I have been in business for 25 years. I have a FICO of 686. Even though I have the funds to build this house, I am looking for alternative ways to finance the project. I would like to obtain 90K. Could someone offer suggestions?