Thirdly because it could be outlawed like Oahu or so highly restricted, like Vegas, that it’s worth only what the property is worth, or less. 

The maximum amount of the energy package that can be added to the borrower’s regular FHA loan amount is the lesser of:· A cost-effective improvements to be made (energy package) based on the home energy assessment; or· the lesser of 5 percent of:the Adjusted Value;115 percent of the median area price of a Single Family dwelling; or150 percent of the national conforming mortgage limit.An FHA-approved lender can access FHA’s EEM Calculator to determine the dollar maximum amount that a borrower can finance for energy improvements.

Either way, there are options for you to access the equity. 

Seems like with the increase in RV sales and the restrictions from the HOA's there would be good opportunity.

A real estate agent will have access to the multiple listing service (MLS), which gives you a list of low-cost properties, such as foreclosures and short sales.Find your target marketTo find a potential house to flip, one of your first moves is to find your target market.

Any 'investment' can act as a 'retirement'.Roth is great because it is tax freeI personally like real estate also becuase your cash flow is normally shielded by depreciation.I like real estate further because there is less complixities / restrictions when it comes to IRA such as the 5 year rule, year you have to take distributions, RMD, Unrelated Business Income Tax(UBIT).Your goal is to have the best return and the most money at the time of retirement, what is the best way to get there?

Fundamentally, you want access to industry & schools.

@Shabar Marshall maybe Las Vegas is different but when I list a condo/hoa for sale, I have already asked the association, if seller doesn’t already know, about parking, pets, and rental restrictions so I can answer those questions vs wasting everyone’s time.

because each time hit with realization of the BS, the whole game is rigged that it's not BS, it's just you havn't gotten to that other thing, that next level, that other access, and it keeps ya going layer after layer after fee after membership. 

Parking, access and more needs to be factored in.