My purchasing power can afford me a house down there and I also work in South Jersey (Cherry Hill) and live in central jersey.

Besides REI's question why they must report personal info to a crime-fighting agency when we contribute to the community with safe and affordable housing. 

You are going to 3x your interest rate so more than likely your payment will go up so what you have right now is probably the most affordable and any more borrowing will just increase your payment.

We are cash poor and cannot afford much good land outright, but could seek spec loans if needed. 

you keep saying "high ROI returns" without any data to back it up. and I have a couple of 3 bedroom beach properties and I dont always get $190 a night. i mean, good for you, but it seems like you are coming on here trying to sell a product rather than just discussing it.

This article today has an OPT IN which I did not do: Millennials & Gen Z want flexibility and affordability, more than a long-term commitment.

They only have a private REIT product now. 

I like duplexes as well, yet part of the puzzle is incorporating the 3 affordable housing units (2 bedroom).

That is okay they are selling a product... except you're not comfortable with the deal so walk away and find something else.

The only way to avoid them is to put more money down or you need a lender that offers their own product.