Not my area so I did some searching...
Project might be a possibility...?
Would the builder be willing to do a seller carry? I just got an approval from Saxon for 100% CLTV with a 550 score, full doc. 85% with Saxon and they were fine with the builder carrying the other 15%. Rates aren't great at 10% but as far as I know they are the only one out there doing this type of loan.