.- my biggest complain to 401k is actually not the employer matching, but lack of diversfication where I can receive high cash flow with low beta structured portfolio.- for example, although SPY lost 28% their value in 202, but as total return, my portfolio is flat because my dividend income is offsetting the market gain losses.- what I am trying to say is that, if you are a "professional fund manager", you could create your set of portfolio that could beat the market , in this situation , the 401k is even less important.

The biggest thing I have found is that they are very task oriented and will follow instructions well but you have to coach them up to be able to make their own decisions.

The biggest differences are the benefits from being in Nevada and right next to Lake Tahoe. 

What's the biggest downside .... 

Con is of course this is the highest rate option, however with no prepayment penalty one can re-evaluate their options very soon down the road.The 70% LTV option: The interest rate is starting to look sexy, the downside is the 20 year amortization, that was in this case the tradeoff to get the leverage point and the rate. 

The downside is that 10% of the people do 90% of the work to maintain the community.  

At the moment, capital is our biggest struggle.

The biggest problem I have encountered is sellers remorse.

Oxford House (https://oxfordhouse.org) is the biggest "peer run" sober living home nonprofit organization in the world, they lease about 3,600 homes nationwide and is a good model to study as well.

The biggest challenge I can see for this is that I hear it's a pain in the *** for the seller to go through a local community bank and confirm their income for their approval for a mortgage, and there are local/community banks that will approve 95-100% LTV loans based on how profitable the deal is.