I'm assuming you used FHA on your duplex in 2021 so that 5% down conventional would probably be a good bet. 

The architects also probably have a pretty good handle on the costs of construction because their plans are getting created for a certain price point.If you don't find what you are looking for, then it is a very solid bet that it's not economically viable.

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

I don’t know what Minnesota has for a definition of “substantive” contact, but I bet there’s a disclosure form for denying an agency relationship when one is vetting a potential buyer who wants to see a property.

Its a safe bet that you can make more than 3.75% on your money somewhere else with little to no risk. 

Investing based off climate is absolutely necessary, call me a woke butterfly I don't care-- as someone whose made the biggest bets off weather plays I am willing to continue to try this.

(We were planning to move back to our rental and rent our primary due to higher rents so started to rehab the primary then found out insurance would not insure us due to the high fire risks if we changed so ended up rehabbing both houses and burned the savings).Our dilema is we don’t want to sell either of our current houses due to excellent locations and appreciation potential but want to progress with more rentals.

Your best bet is probably going to be working with a hard money lender.

Hey Art - Responding to your update from July 6...It sounds like you’ve been making great progress in connecting with realtors and builders, even though the timelines for new construction are longer than expected.

Appreciation and Growth: Sacramento has seen around an estimated 256% growth in terms of median household value, with large developments planned and in progress in suburbs such as Roseville, Elk Grove, and Folsom.My team and I at Hardin Realty & Property Management specialize in helping investors in the greater Sacramento area.