Here’s what I recommend:Cash Investments:No Debt, No Stress: With cash, you avoid third-party control and loan vetting, giving you full control of returns.Equity Builders: Partnering with builders often reduces your property entry cost by up to 20% below market value.Consistent 10% Returns: With an all-cash approach, achieving 10% ROI is realistic and efficient.Financing Strategy:If cash isn’t feasible, consider a balanced financing model:40-50% Down Payment: Keep leverage manageable while maximizing returns.Lower Debt Exposure: A conservative loan-to-value ratio (LTV) reduces risks and keeps returns stable.Work with a Builder: Collaboration with builders can lower acquisition costs and increase your ROI.Key Takeaways:If possible, prioritize cash for simplicity, control, and consistent returns.Financing can work well with a disciplined approach to debt and a strong underwriting process.Partnering with builders offers opportunities to reduce costs and enhance your portfolio’s profitability. 

There's a sucker born every minute.The best way to build wealth is to increase earnings, reduce expenses, save, and invest wisely.

Jackie has a good point that much of it is free on line.

The other problem with elevating an older home, although it helps reduce the risk from future flooding, it doesn't address bringing the rest of the home to current Florida standards.

Now, I will suggest the following:Create a financial plan that includes the following:One year goal: reduce your expenses, including credit cards.

You can reduce size, if you go deeper, but that only works if you have steep sites or are willing to add a pump system to the outlet. 

You can probably find an online link about how extreme temperature changes are not the ideal way to heat a home and cost more in the long run.I don't know what the local rental rules are where you are, but look them up and see if you can give her notice. 

It's challenging to distinguish between genuine advice and potential scams in the vast sea of information available online.

Alternatively, there are high-yield online savings accounts like Marcus or others - the difference is that banks have some inherent risk, thus the FDIC insurance. 

Hey @Vhernadette Sasing, with your high income and limited time, a solid approach might be investing in cash-flowing assets that are low maintenance, like passive multifamily syndications, or exploring online businesses with recurring revenue models (e.g., SaaS, subscription-based e-commerce).