Whie DOS lender risk may or may not be high, being ininsured is... well, enjoy your 'asset protection'.

👏Regarding subcontractor contracts, it’s essential to have a well-thought-out document to ensure clarity and protect all parties involved.

In the meantime I would put the money in a low risk account gaining 4-5% which for $250k would be around $1k/month.Hey Chris - what is driving the sentiment not to buy anything right now?

An emergency fund needs to be liquid, and immediately available to you in addition to being low risk and protecting principle. 

You have to purchase at least as much as your net sale and use all of your net cash.If the scenario involved a $450K sale. 

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

In that case, you’d typically need to file a legal challenge, which could involve going to court and showing that the restriction is unnecessary or unreasonable.The best advice I can give would be to consult a real estate attorney to understand your specific situation and options.

It all really depends on your appetite for risk.

Combine that with insurance raising rates not just for dropping licensee count, but also to cover increased lawsuit risks.

You are correct… if a person has 600k and they can afford to risk it going alone in a new country and that’s what they want to do with the money then why not go it alone.