Is it difficult to get a loan for land without a house on it?

i want to build my own home but for the time being i just want to get a lot to build on and start paying on it, i cant afford to build right now but with land going up and up in price i need to buy now while its low. i would think land would be considered a good investment , its not going to lose vale so it ought... show more i want to build my own home but for the time being i just want to get a lot to build on and start paying on it, i cant afford to build right now but with land going up and up in price i need to buy now while its low.
i would think land would be considered a good investment , its not going to lose vale so it ought to be ok to get a mortgage or some type of loan on it but i have heard it is difficult? is this true? is there a particular type of loan that i should look into for this? also would it help to put a very small "house" (like a shed with all the utilities) just so that you could say there is a house?
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