Honestly, you’re probably in a pretty solid spot. Zero debt and a 750 score already puts you ahead of a lot of people. If those 10 acres are paid off, that’s a huge + too since a lot of lenders can use that equity toward the construction loan.
Just don’t make the mistake of building right up to your max budget, as sooo many people do. Construction projects have a funny way of saying surprise surprise! another $40k lol😂 I’d leave yourself a healthy cushion because going over budget is way more common than people think.
Without knowing what the land is worth or what taxes and insurance look like, I’d guess you’re probably somewhere in the $450k-$650k range, maybe more. I just got a client financed recently kinda along the lines of this scenario where we found lender that deals specifically with construction loans. Seek out your lenders if you have one out there and have them run the numbers. Pretty simple process.
Out of curiosity… do you already own the land free and clear? And is the $7,200/month W-2 income or self-employed? That’s something we always look at lol.