As for financing, the governments can plan and design, sell bonds against the proceeds to come from the sale of property for condos and apartments, and pay current owners  from that.

In 2025 I plan on purchasing my first home.

This plan covers 24/7/365 troubleshooting services from Lula's experts (such as guidance on resetting a circuit breaker), tenant coordination for scheduling repairs, and access to a network of vetted professionals.Once you're subscribed to Lula, you can set aside a pre-approved amount for repairs, which can be used without needing to contact you as well.

So a lot of little guys like me are paying double for their money.

A HELOC is certainly an option if you could pay it off rather quickly or else you'll end up paying a whole lot in interest layer one. 

I'd rather pay for a platform whose revenue comes from subscription fees because at least they are developing features and functionality for the "right reasons.I've never heard of Digb (what kind of name is that?). 

Focus on a 5+ year plan.   

I plan to do some of the work myself.

Now, you need to figure out how to find deals and pay for them.

Your dentist has $4,000,000 in his 401k plan.