I feel like I can't because those are apples and oranges but just thought I'd ask. 

I exited last year with i/o seller financing.   

Who else but Boomers are slow-typing into Google "V-a-c-a-t-i-o-n R-e-n-t-a-l T-a-h-o-e"?

I would just like to add that comparing to S&P 500 index fund is comparing apples and oranges. 

It's comparing apples to oranges, you literally went from a 5-day work week to complete remote work and housing as the #1 sought after target for any individual in America. 

I want to buy a property in a USDA eligible area, it has an apple orchard and small farmland.

Take a look at Reno, it's is a solid area for rentals because of the limited new construction, tech and manufacturing jobs moving to the area (Tesla, Apple, Switch etc.) along with the lithium loop of mining and recycling to manufacturing batteries and vehicles.  

bay area is very niche because home appreciation is not following standard metric like population but following tech stock market index.in reality everyone in the world by purchasing apple and using google is pretty much generating wealth transfer from people in the world to people living in bay area.

So, offering them to just anyone and everyone will slow down our operation so unfortunately just freely offering our resources isn't feasible.Not comparing us to Apple haha but if someone wanted to build an iPhone themselves, I doubt Apple would give them contact details to their supplier in China or bank contacts in Ireland to avoid US taxes lol 

As others have mentioned, consider borrowing from your 401k plan instead.For those comparing the returns from passive investing in stocks and bonds with active investing in real estate, that is comparing apples to oranges.