We’re building out a pipeline of efficient, SIP/steel-frame models with ADU potential, primarily for in-house rental or resale once stabilized.That said, finding lenders who understand rural land value and nontraditional build types (even when the business model is solid) has been a challenge, and that’s part of why I posted.

You’re not missing something—the 30-year model is just a tool, and whether it’s the right one depends entirely on your strategy.Note: This information is for educational and informational purposes only and does not constitute legal, tax, financial, or investment advice.

And now presented with the risk scenario they go into attack mode.

REI investments-  we are retired thus not in a growth mode.  

That’s a mindset shift that’s hard for a lot of investors after years of being in acquisition mode. 

You're in a great spot—being in research mode and actively asking questions means you're already ahead of a lot of folks who jump in without doing the groundwork.I totally relate to what you said about the more you learn, the more you realize how much there is to learn.

To maintain true independence, I think a strict subscription model is the better way to go.

Today you can get funding for a good deal without an issue, so the business model is kind of obsolete.I used to buy BRRRR deals, but over the last years, we switched to buying homes that are in move-in ready condition.

Are you looking at the mean, median, and mode of prices?

I’ve got a couple properties already, but I’m fully in learning mode and want to avoid major mistakes by learning from people who’ve actually done it.