In hot markets, some wholesalers and investors use 80-85% of ARV (minus repairs) instead of the typical 70% to stay competitive.A few tips:1.

Not disputing your experience and I'm sure your agent is great.However, the Goosehead model is designed for the local agent to sell and the corporation to service.

We are everyday approaching a European model where people own less and less of both land and buildings. 

Sound like Fund & Grow business model for $3500 for the year.  

The owner also needs to save for big ticket items that may need to be replaced every 10 or 20 years such as AC, hot water heater, furnace, roof.  

They did poor due diligence and a poor business model.  

That means clearly calling out 4+ awesome amenities they can’t resist—like “Lakefront Retreat | GameRoom | HotTub | EV Charger” instead of “Charming Cottage with a Beautiful View.”Why It WorksGrabs attention with specifics (people love hot tubs).Tells guests exactly what they can expect, so they’ll click over your competitors.Makes your property unique—no more “cozy” or “adorable” listings lost in the crowd.Try ThisBrainstorm your top must-see amenities.Keep the wording short, clear, and hype-worthy.Swap out any fluff words like “cute,” “lovely,” or “charming.”

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income. 

Go to AirBNB app and research which areas have the most listings, that usually means that its a HOT area and if you run it right you can succeed.  

I've looked at every model of every new build of every company I can find and there's always problem with design, returns, etc.