I am a loan officer with PRMG, Inc.
We are a direct lender serving all of California with FHA,Conforming & Jumbo products.
Currently construction loans are not available with us or any other conventional lenders.
Your only option for a loan on the subject property would be a seller carry or hard money construction loan.
An FHA 203k loan is not an option without an occupancy permit issued.
I would recommend re-financing your owner occupied home where it might be possible to get cashout of your equity.
Feel free to contact me for a confidential evaluation.