Things such as hot water tanks, carpets had to be replaced in a few years, so I wound up depreciation some items more than once.I sold a rental last year for $430K that originally cost me $70K as an investment property.

The perfect mix was luxury glamping that I could invest in for short term rental use.How did you find this deal and how did you negotiate it?

Same for emails, voicemails and texts.It doesn't sound like you were represented by a buyer's agent and this is a perfect example of why a good Realtor is worth his weight in gold. 

It sounds like my situation would be perfect for the 89.99% loan to value.

Trying to perfectly time the market can be challenging and might lead to missed opportunities.

I made my decision based on the fact that a) $5800 for a 90-day program was something I couldn't afford; b) $5800 for a 90-day program seemed VERY fishy/scam-y/pyramid-y to me; c) after scouring the internet for information, reviews, etc about the program, I found literally ZERO bad or less than 5-star reviews about it which - to me - is a massive red flag; no program, product or service is perfect, and the fact that they are making themselves appear as such really gave me a bad feeling about the program.

Hello Kyle,There are lots of things to consider, and there are lots of different types of Zoning for residential.For example you could be zoned residential, but the minimum lot size could be 1 acre, and you are buying 1 acre, in that case you wouldn't need a developer, you would just need a builder.For example, lets say you have 5 acres and a perfect rectangle property, that has an existing street that runs the long ways of the property so you won't have to put in any streets, you will simply need to get with a surveyor, figure out your minimum lot widths from zoning, and file with the municipality to get your property subdivided into lots.Once you have subdivided lots, you can either sell the lots outright to a builder, the cleanest transaction.Option 2, you could try to partner with a builder so you can split the profits, most builder's will want you to guarantee the loan, and still charge a build fee before profit splits.Option3, you can hire the builder, obtain the financing, and keep all the profits.Option 4, you could do any combination of 1,2, and 3. 

It makes perfect sense. 

Her swift yet thorough approach enabled me to secure the perfect property in record time, a feat that truly highlights her commitment and skill.If you are seeking a real estate professional who goes above and beyond, exhibits a profound understanding of property values, and can effectively manage complex negotiations, I wholeheartedly recommend Tanja Vargo.

It doesn't always work out perfectly but it's been a great strategy for us to build our rental portfolio.I'm sure there are lenders who might chime in with other recommendations.