Land contract payoff options with bad credit

[Adam G. Cameron]

My wife and I purchased a fixer upper on a 3 year land contract just over 2 years ago. Renovations are not yet complete so it will not pass a home inspection for a mortgage. We used to have horrible debt but have been working our way out for the past 3 years with great success. My credit score is still quite bad (just under 600). At the end of our contract we will have a balloon payment of $24,000. I need to acquire a loan for this but am not sure where to go. I do have a vacant 2 acre parcel I could use for collateral. Does anyone have any suggestions?