Good projection models are a lot more difficult to create than simply tracking my net worth, but they're incredibly useful. 

I would occasionally get emails from them and it was difficult to get a response back when I’d reply, so I just decided to move on.  

It's gotten quite difficult in much of the state.

I know there would be many other factors on how to manage the money here.It's a difficult time, just trying to formulate a plan. 

Repeat that research at the county and state levels. 6 review all info vs your UW and see if there is a land value above $0 that makes the deal work in today’s market. potentially consider a JV project with the property owner after doing the above as a way to make the deal work. it’s not impossible right now based on your question but it is very difficult right now to get the numbers to work

Here's the difference between the two - a CPA typically has to have a bachelor's degree in accounting and masters level of education then pass a series of difficult accounting exams, while an accountant may have zero qualifications; this could be your local bookkeeper who learned everything on the job.There is also an Enrolled Agent.

@Clint Jusino I will reach out to get a peck on your spreadsheet, I am also planning on a new flip now and estimating cost is the most difficult part.

A conventional or commercial lender will probably have better terms but may be more difficult to qualify.

My husband and I have had to constantly second guess ourselves on “are we being too needy or difficult?

Jason these problem can be visualized like these:a) Cheap Money regimeb) Expensive money regime (post 22) Then we do have always options for investment :a) liquid cash investmentsb) stock / bond portfolioc) Equity residential investmentd)Debt investment There's recent survey from Citigroup that showing a family office has different strategy when financial condition is moving from cheap money to expensive money regime, for example, during 2010-2022 cheap money regime, it's not difficult to be agressive in equity investment (such as buying rental) as spread is huge (6-8%) ; but during expensive money era, like someone also mentioned above, the spread is only 2-3% now.I can always generate 8-9% "almost safely" with public interval fund or BDC while equity is also offerig something like 8-9% IRR, so between debt investment and equity investment , is not big of spread.