Is it possible for her to buy the house/land then we subdivide the property (property has an approved preliminary plat for subdivision into 2-3 separate lots, electrical and pluming lines have been put in place for future development).

Always vet each property thoroughly as the past does not equal the future. 

How do I get their numbers in the future?

Are there any lenders you would recommend so this doesn't happen on future deals?

As it relates to habitation exposures, it appears that there may be a leveling off in premiums, rates, and deductibles here recently, but there's so many different variables that it's really hard to make a blanket prediction for 2025 (or the future). 

Anybody else concerned about the future of commercial real estate with the coming robotics and AI?

If possible, in the future I would try to obtain a copy of a standard Condo questionnaire from the HOA prior to the mortgage application process and ask your lender to review it in advance in order to mitigate some of the time and costs risks associated.

If that's not an option then make sure you do plenty of research into what markets have growing economies and what is driving the growth into the future.

Schools are solid, demand is high, and I think that you'll see an increase in housing prices in the future.

If he uses the HELOC responsibly, he'll be able to serially buy performing hard assets and eventually get to the point where the monthly cash flow will provide future down payments.6.