Even if you believe you can stomach the monthly payments, paying $20K a year to carry a piece of land based on the information you shared is not recommended.

Recently it has gone non-performing and is over the four month mark.

We went in with what we hoped would be the winning offer because this is the one that checked the most boxes of everything we'd seen in months and we really like it.Am I even under contract for this property with everything in the address being wrong? 

We meet every month, and are in constant contact with these individuals, in business relationships going a lot deeper than that.The second way is to contact a large group of people with the understanding that only a few will result in “deals”.  

It is 58% complete and just passed the end of the build contract last week (24 months). 

I AM NOW USING MY 9-5 TO PAY OFF THE PRIVATE LENDER EVERY MONTH WE ARE SET BACK FINANCIALLY BUT THE future IS BRIGHT ! 

Quote from @Delbert Standifer: My ADU will be completed next month.

This guy's name (Mario Cotto) came up as a red flag at our meeting last month.

@Paola AstridIf you’re considering refinancing an FHA loan, it’s a great way to lower monthly payments or gain more flexibility.

You don't need to know everything to get started; you need a foundation to build on, and the rest will come through experience and then refining your education.You can build a basic understanding of investing in 3-6 months.