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

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

Instead, roll the funds into an IRA or Self-Directed IRA (SDIRA) to keep them tax-deferred and open up flexible investment options, including real estate.

ThanksSuhaib I'd suggest finding a broker, they have alot of knowledge and have your best interests as a goal, insurance agents have their employers best interests as a goal.Insurance in CA will continue to increase, its lagging in inflation and all the fires are affecting it.Many homeowners are moving to self insured.The fair plan is asking for 1 billion in subsidies, purported to be funded by the carriers themselves, I have no doubt Ricardo Lara will make this happen.

Are you self-managing? 

I believe they are expressing their displeasure with the fact that I have not accommodated some of their recent requests that went far beyond the scope of what is required (like insisting a licensed electrician switch out a smoke detector when we could do it ourselves) and I had to set some boundaries after years of high maintenance for them.

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

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...

We want to plan in the most tax vantaged ways (which includes keeping future AGI as low as possible) and open to new-age and creative concepts.Respectfully ask to keep discussion to topic vs. selling one's self or services seeking new business.

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.