I'd echo the HELOC > DSCR recommendation, especially with a 1.7 DSCR - that gives you solid cushion for rate fluctuations and vacancy.One thing worth stress testing though: the $100k purchase with $1800-2000 rent is a strong rent-to-price ratio (1.8-2%), which is excellent.

You didn't really give an ideal of scope/scale as far as if you are talking about one lot for a custom home, or if you are talking about a piece of land for a potential tract of multiple homes. 

I do think CA has an affordability issue that will test markets, but socal has many factors that will maintain demand.

Treat deals the same way you’d approach diagnostics - assume friction, stress-test assumptions, and see if the model survives conservative scenarios.That mindset tends to outperform optimism over time.Also, don’t underestimate the power of visibility here. 

Other than those 50 mortgages I had no other debt, no car loans despite having multiple cars, no credit car debt, that wasn't paid off every month and no student debt.

Government — 307,000• UPS — 78,000• Amazon — 30,000• Intel — 25,000• Nissan — 20,000• Nestlé — 16,000• Microsoft — 22,000 (across multiple rounds)• Bosch — 13,000• Verizon — 13,000• Dell — 12,000• Accenture — 11,000• Ford — 11,000• Novo Nordisk — 9,000• PwC — 5,600• Salesforce — 4,000• IBM — 2,700• American Airlines — 2,700• Paramount — 2,000• Target — 1,800• General Motors — 1,500• Applied Materials — 1,444• Kroger — 1,000• Meta — 1,000These are not speculative startups or poorly run companies.

In the long run you should be but the first few years could be a test by fire.

Working on multiple ideas to contact agents.

You can track multiple properties by classes. 

One thing I’m trying to think through early is how others manage the capital gap between finishing a build-for-sale and starting the next one.For those doing multiple projects, what creative financing or short-term capital solutions have worked best for you before sale proceeds hit?