SFR/Duplex Land Financing

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I currently have a SFR/Duplex zoned corner lot under contract for $35,000. In the Fort Worth market, it is nearly impossible to find a lot less than $150,000. Does anyone have experience with lenders who will lend the land acquisition and building costs? Or a lender who will only lend for the land and once I have additional cash to leverage I can start the build? My total acquisition and build cost is $270,000 and the after build value is $380,000.

Hard money would be about 90% Loan to cost (or 27K down+-, plus closing). A local Fort Worth based community bank would be 75-80% Loan to cost (54K down +-)