This makes the strategy viable for managing a due-on-sale clause, as it effectively keeps the transaction off the lender's radar, delaying or avoiding the clause's enforcement.While this method can solve the due-on-sale clause issue, it does come with a calculated risk—primarily depending on the trustworthiness of the seller and the specific legal environment.

Most importantly, the group is an environment of positivity and support that is above and beyond other communities I’ve been a part of.

Round Rock is a popular choice due to its proximity to tech companies and good schools, while Pflugerville offers a quiet suburban environment.

Pre-payment penalties can be very costly in a dropping interest rate environment.

I do like 2/1 buydowns in declining interest rate environments like we are in today, as it buys you time to wait for interest rates to drop.

There is certainly an uptick in scrutiny against fraud and with valuations for refinances (esp. cash-out) in the current environment

I think the main drawback is being on a Prepayment Penalty in a rate decreasing environment.

Sergy there is a good swath of born and raised Americans that have never been out of their state or really the city they live in.. so your right they only know what they know given their environment..  

The OG Podcast was the "one-stop shop" and focused on what folks were coming for - actionable and relatable real estate advice and stories.There is such a thing as too much of a good thing and the current BP environment is evidence of that.

My advise is to start with single family or a small multi-family ground up project first but this market environment is truthfully not the time to be completing any ground up projects unless you are self performing the construction which it doesn't appear you are in a position to do.There was a recent Philadelphia  forum chain started by someone else who was contemplating ground up in a similar fashion to what you are proposing and I cautioned they would be better off buying something that was newly built and believe after conducting their own diligence realized it was too cost prohibitive at this time to build with 3rd party GC's in Philadelphia when also accounting for the interest rate environment and cost to build.