I have a 3-bucket portfolio with Total Stock Market Index funds, RE and cash/bond type funds.

That part of Southern TX also has special windstorm ratings that structures being built need to adhere to. 

It also requires a specialized custodian and a bit of extra paperwork.If you do wind up using cash, other savings, or even a combination of cash and other funding sources, there are also creative financing options out there today.

While you're at it, get a great lawyer that specializes in these types of transactions.

For notes, I source from three lanes: direct from banks/credit unions’ special assets desks, vetted note brokers with a track record, and trusted investor referrals from meetups and communities.

., marketing, sales, staffing, buildouts, specialized furnishings, compliance, licensing.  

If you think you will only achieve a 3% annualized return over the next 10 yrs from your real estate, you would be better off investing in a money market or bond.  

We’re wondering whether these prices are reasonable and whether working with smaller, independent contractors who specialize in mini split installations would be cheaper.If you’ve worked with someone in Central NJ (or nearby) who was reliable and reasonably priced, we’d love to hear your recommendations.

I use licensed vendors who specialize in their trades (HVAC, plumbing, electrical, pool, etc.), and it’s worked really well for us.

If you can make this more specialized than ChatGPT then yes it has value.