It has caused problems not just with housing, but health care.

If you don't have the additional mental bandwidth, can't deal with stress in healthful way or do not have much time to commit atleast 14 months of focus then do not build.

By temporarily halting distributions, we can preserve capital, manage our resources more effectively, and invest in key areas that will drive future growth and profitability.In the interim, we are taking strategic steps to strengthen our financial health, including cost-reduction measures, revenue-generating initiatives, and debt restructuring options.

I understand I need to consult my lender for an official answer.

Don't forget to add fringe benefits such as health insurance and also payroll taxes, etc. 

This will have a higher expense buy may very well be worth it for your listings and companies health and growth. 

Without membership association I lose access to the official forms and the software.

A post on the official Norada Capital Management website from 2022 (attached screenshots in addendum), boldly states the following:“Norada Capital Management offers investors opportunities to invest in Promissory Notes with fixed rates of return ranging from 12% up to 17.5% per year,” ( Link ).In explaining the use of proceeds from the promissory notes—specifically the entities Norada Capital Management, a private equity firm, supposedly lends to in order to generate these high annual rates, the company states that:“Three of those five categories that our company invests in as a private equity firm include e-commerce-based businesses very lucrative area, especially if you’re in the right area of e-commerce.

You are officially my hero! 

You'll find out that the number of victims in the US is way higher.If you don't trust official figures 100%, you might want to complete your research by getting some anecdotal evidence.