As a result, my primary duties were to determine (often through specific communication with the direct local municipality or planning individual) whether a property could be utilized as a vacation rental. 

I am excited to meet with like thinking individuals and both learning and contributing to this group.Thanks Tracy

But for individual lots to build just one home, you can use the methods above. 

The amount of likeminded attendees who have come from similar backgrounds or journeys to begin their real estate investing careers really helps an individual in this space find a place they can call home.

You get an initial call with an attorney and you never hear from that individual again.

Are you referring to private money specifically as like an individual person investor or also including real lending companies like Hard Money Lenders / Private Lenders? 

They would happily give the loan to us as individuals, but couldn't do it the way we needed.If anyone has a bank contact they could connect me with, that would be great.

I'm eager to learn from those who have already navigated the challenges and opportunities of multi-family investing, and I'm equally excited to collaborate with others who are just starting on this path.One of my main goals is to find a team of like-minded individuals where I can contribute my skills and knowledge while also learning from others.

Eventually, once the units have appreciated a bit and the mortgage has been paid down to the point we have 20% equity, we split the parcels into individual town homes and then she refinances her unit out and I refinance the three units out or sell them. 

But, I am not an agent, so I don't know what the rules are.I do know from the Arizona Bar conversation, when I called them, it's illegal in Arizona to fill out legal forms for a fee, in Arizona, unless you are an attorney, real estate agent or other appropriately licensed individual.