I've been doing my due diligence on Tardus and really crunching out the numbers and strategies that they are promoting but I keep coming back to square 1.I would really love to hear from NJ based folks on this.....if I invest $10K (money I got from my HELOC) and the monthly payment I owe on that HELOC is $400/month (which includes principal and interest)...

Due to inflation and the drastic increases in material, labor, and supplies, that's naturally caused carriers to rethink limits/values on file. 

Well, the nay-sayers are bound and determined to promote their viewpoint, no matter how much the evidence contradicts them.

Insurance companies are taking a close look at building materials, quality, and updates. 

Had quotes for $20,000 not including materials. 

Fund of fund raisers need to do a much better job including descriptions of both double promotes and possible implications for LPs investing through a fund of fund vs directly.

@Kyle Atans  for me for the younger investors or starter investors is  at least use that 100 or 200 a month positive to paydown debt at an accelerated rate it will save them a ton in the long run and if they can get them paid off in 10 to 15 years that's a good thing.. its not like saving 1200 a year is going to materially affect their ability to buy unit number two and if its that tight not sure owning rentals is that great of investment anyway.

Secondly, tiny homes promote a minimalist lifestyle, encouraging reduced consumption and a greater appreciation for experiences over material possessions.

I haven’t seen any longer term studies done, only promotional info when the RE market was generally rising.  

And the reason why your "tale of two halves" will play out as you described.Demand:  This has actually been high almost all along, but rent growth hasn't materialized in response due to high levels of new supply.