There was no income on either as we were completing developments in a fund.Who would lend me 65%?

I realized that Arabella community is under development and it's very close to the house (maybe less than one minute drive).

While the foundation companies come out for free normally, you may want to tip them $50 for giving you the estimate and giving you priority and develop a relationship with someone....or learn to do it yourself.   

Home development (pros: good ROI, cons: not a very demanded area with slow churn and sales cycles, large upfront fees)2.

We are nor panicking instead trying to think though some scenarios and communicate/plan on paper . 1.Ownership:1.Create a “Medial Power of Attorney” to take over decision control if any/all owners get sick 2.Communicate ownership delegation with property manager2.Property Manager/Other Employees:1.Communicate CDC requirements 2.Outline and agree upon rent collection work process if city were to shut down 3.Outline and communicate a call tree identifying repair personnel 3.Safety:1.For employees: Release funds to buy protective gear while working within premise 2.For tenants: Communicate 2 times a week with CDC requirement as COVID19 is a REPDI development 3.For Owner: Identify all elderly tenants and communicate with them to call CDC if they would show any sign4.For Owner: Identify companies who does preventive medical grade clearing if any cases to be identified within premise. 4.Insurance :1.Confirm with current insurance to avoid and potential liability from owner to tenant negligence perspective 5.Operations:1.Review plan for marketing to get tenants if people were to leave during outbreak 2.Review plan for eviction during shutdown (if any) 3.Review cash position: 10 months cash supply covering 10 month of debt payment .

However, some people will develop a fear of the inevitable, or a guilty conscience and eventually pay up.

I have only invested in vacation STR properties on the Outer Banks of North Carolina, I still develop property there now and have for the past 20 years very strong markets like the ones you mentioned

Not all of the land is developable, so the lots would be about 10,000sf each. 

i have heard that the base is taking up a lot of new land and developing a ton of new housing (in the thousands) in order to keep the military families living on base opposed to off base.

Should I focus first on developing a marketable skill that would allow me to become a freelancer so I could start saving earlier or should I invest my time in learning more about real estate?