However my understanding is that exceptions can be made if unexpected life events happen such as job relocation, eminent domain, marriage, divorce, changes to family size, deployment, imprisonment, bankruptcy etc. 

If you are planning on using your savings for Real Estate Deals, I use high cash value Whole Life Insurance as my saving vehicle(IBC).

Life is busy with regular work and a few kids, so just looking for any way to maximize our time where we can!

I started investing young so I could do what I wanted with my life.

Don't make your life more complicated than it has to be.

If you are building on your own existing lot, you are sacrificing privacy for sure, but if you are comfortable with that in this stage of your life its a good way to maximize what you already have than trying to go to market and spending over $1M on a decent duplex. 

Really wish we would have learned how to better utilize buying real estate and finance and how life changing it can be.

The affordability and quality of life are big draws, and it’s great to hear your perspective.

Here's what I'd do: Create a Word Document or Google Document Titled "DRAFT: Life Vision" do not use a template, do not pay some guru for this.

(He’s not a lawyer so it’s not life and death. 😂)Second component is understanding what the AI indersgands when it views a photo and how accurate it is.