I have not chosen a builder yet, but you bring up a great option to consider.

Like I have said before companies have the right to make money but be human about it.

Most fake this, but you are genuine.My response to you is then this.First, be careful, because human nature is a treacherous one.

Now that you've had some success it is a good idea to clean up the structure of the business and continue forward on your chosen path.

That's a tradeoff I'm happy to make right now.So far we have enough saved for a down payment (possibly 2), we've chosen a turnkey provider and market, and we've lined up funding for the first deal.

You've chosen a great place to get started.

@Brett JurgensIt seems like climate risks can be mitigated with human technology, better buildings, desalinization, improved infrastructure. 

are you able and willing to spend time in person in your chosen market? 

There is also the local knowledge of a market like here in Lake Tahoe where lending can be trickier so an offer with a local lender might get chosen because they have a reputation to get a deal done vs a national lender that can have more red tape and a slower process. 

Its just human nature and its up to the buyer to suss out if these are going to work for them..