One thing I’ve seen investors do in situations like this is look at regional or local community banks or credit unions that understand the area better than national lenders—they can sometimes be more flexible and use actual rent rolls and P&Ls instead of just taxable income.

The vast majority of the naysayers don't understand how life insurance works. 

Need to bump 18% approx. to maintain the same pricing is my understanding.

I understand now that it does not, that's where I was confused. 

We're looking for a teammate, not an order-taker - someone who understands negotiations, protects our interests, and helps us reach the finish line confidently.I'm direct and reasonable, and I value practical advice and transparency.  

I want to understand total exposure and try to minimize that through negotiations.

Looking to understand different perspectives.

Look up Assembly bill 968 & become well versed on it's benefits/drawbacks.Throughly understand El Dorado counties TIM fee (formerly known as TIF fee) & how it impacts your underwriting.For dispositions keep in mind your buyers pool will be affected by fire insurance the further up the western slope the house sits.Have a well formulated exit strategy in case the dispo is slow, which may tie up capital for a while.Don't overleverage as transactional volume is a bit low currently.

As I understand, there are several things you can do with vacant land and infill lots and how you can partner with builders.

I understand that saving money can slow the process but there is value in having good credit, discipline and being willing to put in the hard work to ensure you have good financial footing before you attempt to borrow hundreds of thousands of dollars for the first time.