We cut that cost in half by training and certifying people on our team and it created a better experience overall. 

Go straight into focusing on creative finance, subject to, and minimal cash down deals and build from there.I want to hear your thoughts on what direction to take here if you were in my shoes given these constraints (full time job and a few thousand saved) and you want to optimize for passive income first, then value appreciation?

Is this a cut and dry 20% down deal the rest through a commercial lender like Wells Fargo or are there better ways to do this? 

(May also cut significantly into the current cash flow on it)I know you mentioned not doing a HELOC on my primary, but wouldn't it be advantageous to have the ability to pay off the line of credit instead of be stuck in a payment that is much higher? 

You can make straight Roth contributions or convert cash as you’re talking about but you can also convert assets from pre-tax to Roth.

You can still build two separate homes on the same lot, offering investment flexibility.The streamlined approval process is a huge advantage, cutting out the red tape of lengthy public hearings.

Let's cut to the chase:  "A tenant is obligated to follow HOA rules, as they are considered residents of the community and must abide by the same restrictions as homeowners, even though they do not own the property; the landlord is responsible for ensuring their tenants understand and comply with the HOA rules. 

You can't put a straight door on a crooked frame.  

:(The system found out that many people were NOT cut out to be property owners.

Depending on the flooring specs you *might* be out of luck because a lot of LVP/laminate type flooring specifies on the install that straight runs will be no longer than X number of feet and room changes will be installed with a transition.