I stumbled upon this thread and I'll admin I've only just read your initial post.

there are ways to get around the highest and you also need to take into account the savings you will generally have on the purchase side when compared to other regions. 

Also, I just read that the the 2024 lifetime gift limit is $13.61 million and I will NEVER approach that amount.

Theres one I think its by Brandon Turner that is called rent to retirement. when I was starting out I read one that was called one property a year that resonated with me.

The property required a full gut rehab as it had been vacant for 15+ years.

Does any one have any leads on lenders who provide loan for groundup constructions and the criteria?

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

Is this the case for all mobile devices or am I missing something?

But, the self-sufficiency test for FHA loans can be really difficult in SF, meaning that the market rent from units you will not occupy must be sufficient to pay for the mortgage payment. 

I still have a full-time job, but my goal is to start with 1-2 flips/year for the first couple of years, then ramp up to 5+/year.Right now, I’m focused on learning as much as possible—market analysis, deal sourcing, estimating rehab costs, and raising capital.