Hi @Barbara Johannsen, I’ve only done notes through the Co-Investing Club, but I’ve seen firsthand how much relationships matter.

Option 2) Find a co-borrower who has cash and is willing to pay cash and you do the work.

From what I’ve seen talking with operators in my Co-Investing Club, focusing on design choices that add perceived value without dramatically increasing costs tends to make a big difference.

Investment Info:Single-family residence Short-Term Rental in Crestone.https://www.airbnb.com/rooms/1282207374918563626 Build Cost: $550,000Luxury, newly built A-frame short-term rental in Crestone, CO, near Great Sand Dunes National Park (≈1 hr).

Higher end homes might sit for a bit.Same in the US: the Midwest and the North East are seeing prices go up, the rest of the country is seeing prices soften, some of the previous highflyers like FL, TX, CO and Washington State are correcting a bit. 

Do you have someone you can recommend who understands and insures co-living and pad split properties?

Selling one property to add a liquid, taxable account for college/retirement flexibility is a totally rational move — especially with kids about to hit college and you wanting to retire in 10–14 years.One thing to double-check:Since the sale is 11/24/25, make sure the tax estimates line up (federal, Colorado, NIIT if it applies, depreciation recapture).

Over time, I shifted toward passive investing, partnering through my co-investing club on larger projects where I don’t have to handle day-to-day operations.

I had briefly looked into the approach you mentioned, which I believe is commonly referred to as “co-hosting.”

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