I'd probably go back and listen to a year's worth of podcasts and see if you like his style and info. 

The level of detail and info that James had was off the charts.

Quote from @Dylan Jeluso: This questions is the same question as getting your real estate license when doing flips, you have access to the MLS, you save money on the commission, and you have a little bit of a competitive advantage over the next person that is not licensed.

They also provide guidance on entity selection, tax strategies, and long-term planning, which can save you money and trouble in the long run.

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

also should i get the neighbors contact info?

So, for now, keep saving and learning about those markets or ancillary markets nearby that have better options.

Billionaires who promoted it will be hated and blamed for people loosing their retirement savings. 

You would build equity in your own property and could save an extra $2,000 a month.

What's the best way to save and organize digital receipts and to snapshot paper receipts?