Basically- As investors, we're hosed.

I'll give you the basics at REI. 

You've probably seen some of these before - basically, it's a visual representation of all of the materials that you'll be using for each room inside of the house.

I'm tempted to do what many have said which is to just use a debit card, but I get 2% back on a CC, which is not insignificant when managing dozens of vendors, and I really hate to change a process that's working because the software I chose is lacking a basic feature.  

it was an interesting process but basically, the novation allowed us to get the deal done without having to involve the banks. this was a huge motivation. that way I save on having to close twice. 

Then if you want to send an emil through there system its another .08c now we are at .32 to send 1 email and have the basic contact info. if you want to send emails to 1000 leads on top of the free 250 thats an additional $320 + $110 for the solo account.

I am an accidental builder IE lent to builders who went busto and had to take over the projects. that was in 2013 muddled my way through the first 4 projects that I had to take over .. then felt WTF I am putting up all the money basically and taking the lions share of the risk why dont I just try to do it all..

Basically it is not 2012.Good luck

She basically told me the same thing you said about the risk of REI investing being way too high for newbies to justify the reward and time spent.

I was quoting pool prices for my clients several years ago at approximately $40K (basic package 12'X24' including screen enclosure and paver deck) and then they doubled and more after COVID.