It's definitely more sophisticated than STESSA.

Realize that payroll could be anywhere from 25%-40% of gross.

Many/most of those people need that kind of structure because they lack the self-discipline necessary to use any kind of debt responsibly, and tend not to be very sophisticated when it comes to investing.

Nevertheless, roughly half of the 22 million payroll jobs that were lost in March and April have been regained as people slowly return to work.

Once the salaries are paid out via payroll, how are owner/employees getting paid?

I think sophisticated investors find ways to achieve return. 

The lot/home rent ratio is decreasing and I think that trend will continue as lenders in our area become more sophisticated and force this model more.

You need something more sophisticated though for these larger deals. 

We feel we have exceeded our investment potential through friends and family and would like to start searching for other sources of funding such are touching base with funds, family offices or sophisticated investors.

The decision isn't so clear cut, however, and strategizing is key in this situation.Another thing that came into play is the possibility to defer payroll taxes for a while, even if you got the PPP.