If you go back to work as self employed, there are some NonQM programs out there that can do a cash out refi after just 1 year of bank statements or P&L. 

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

Traveling in Malta and now in Florence Italy for new years.  About an 8 hour time difference but our alarm systems are 24/7.  Got an alarm the other night.  Called our local sheriff department.  They called back about...

Investing in your self improvement is wonderful most people do not have the mindset for growth.   

Are you self-managing? 

It could vary of course depending on the defenses of the tenant and if the court is presently backlogged.

Additional Info —Key Details:Location: Outside Santa Fe, NMProperty Size: 20 acres (valued at $80,000)Project: Two new STR unitsExisting Experience: Family has two fully-occupied LTRs nearby, generating $2,000/monthConstruction Approach: Self-contracted with licensed trades for electrical/plumbingCost Assumption: $80,000 per unit, plus ~20% for inflation (based on 5–8-year-old build costs)Financing: Using land equity as down payment on construction loan (expecting closing costs to be major expense)Request: Looking for feedback, potential pitfalls, and general guidance

The only way around this is to be doing land lording WRONG, a self-inflicted injury. 

With $150k here you’re just a little tight on budget but can make it happen if you self-manage and do your own furnishing and design.  

Many online courses are self-paced, so working on it in your spare time is absolutely doable.If a career shift isn’t your goal, you can still learn the "game" through various other means.