I have a 10 acre property in Gilmer County Ga. I recently took out a construction loan through First Federal bank of Kansas City. I've been told by some locals that if I ever was thinking of subdividing, the sooner the better because they may change the size lots to a larger size from 1 1/2 acres in the near future.  Looking back, maybe I should've divided it before the loan but this is all new to me. Can I still subdivide and build on the property? Or just build and rent it?  It's a construction loan now and not a mortgage, is there any difference as far as the subdividing? After the loan is done, the bank expects me to roll it into a conventional mortgage with them. Could I get another mortgage company that will be easier with this situation?  Thanks.