Thats a small balance deal so local and regional communal banks will be the way to go for the construction and you can get agency debt to take out the construction loan.Make sure to shop several banks as they all offer different products, terms and rates. 

I'd also try to find a willing bank that is relatively close to the property, or where the tenants probably shop - make it easy for them to do.If you think your tenants might be open to the idea of paying online, there are a lot of services that let you do that. 

ONE STOP SHOP!

My recommendation is to work on increasing your credit score then shop for mortgages but if you are looking for more unconventional finance methods you may find this forum here on BP helpful...https://www.biggerpockets.com/forums/50-creative-real-estate-financingHope this helps!

He has since closed shop and retired.I ran into him recently and he mentioned he is dealing with selling off the possessions of a very close family members passing, of which some of it is real estate.

I'll shoot you a PM and we can connect if you would like to talk shop or about my experiences. 

I have not done any comparison shopping - is $25 expensive? 

Let me know what you'd think for business purposes or casually when shopping.

I drive an expensive sports car and none of the tire shops have my tires in stock.

Even if you don't want to move forward with a broker, please, shop at other banks and get other options other than SBA.Feel free to reach out via PM here.