I recall that I'd get excited about topics that I was familiar with and youth can be ignored when they appoach a topic as if they know more, so don't get excited, listen instead of talking, think before you speak then make your comment and let others think they thought of it or allow them to digest what you say.

First Republic Bank has similar programs based on the census tract.  

Currently many large equipment tract loaders, bobcats, Excavtors, etc are offering 0% financing for 5-6 years.

I was not aware of the UDFI tax.And thank you Chris Seveney for providing an overview of the note investing landscape.At the end of the day, its going to take some time foe me to digest all this and decide whether or not to invest in notes.

I have been reading around on the forums for a few weeks now, learning and digesting as much information as I can.

I'm just trying to digest the cost since I want to install a driveway and parking area in my backyard ($35-50K). 

There is obviously a lot to digest from the memorandum and much of it is beyond my knowledge base.

It's possible to buy a house on large tracts of land that can be depreciable on the outskirts of the city but the cash flow probably won't be there without a little creativity. 

Before you do anything you need to:1) talk to the city zoning department and see what uses are allowed on the property.2) check out the survey to see if there are any portions that are not usable due to setbacks, easements, etc. in addition to what the maximum buildable area is based on the zoning restrictions.3) see what utilities you have available at the tract (water, sewer, gas, electric).4) based on the above, see what the options are and if you think any of those would be profitable.5) decide if you want to build and operate whatever that business is or just sell the land to someone else to build. 

I took a while to digest your answer and I appreciate how in depth you went.