This further emphasizes the importance of being forward thinking and flexible.

Hopefully, by then your income has returned to pre-Covid levels.Another alternative is to look at hard money who emphasize more the property that you are purchasing than you.

I got a degree in business that emphasized in real estate, and back then (1980) I could get a broker license in Teaxs without being a salesperson first.  

I did go to college, not that it is mandatory, and got a business degree that emphasized real estate.  

The turnkey company emphasizes that they don't simply do lipstick on a pig which I think is great. 

Even though I was a graduate that emphasized real estate, I went to work in the construction business.  

I got a college education in business and it emphasized real estate.  

I would also emphasize that you may want to keep your vacation and businesses separate.

I am 59 years old now and when I graduated from college I felt more comfortable with construction business even though I graduated with honors in business that emphasized real estate and I got a broker license.  

Like any market, it's street-by-street and emphasizes the need of having professional help with your first or second, so you can get a hang for the market if you aren't local.