I think your income easily justifies a common-sense, time-proven method: increase earnings, reduce expenses, save, and invest.

I look forward to earning your business and helping you find a better properties with better numbers.

You are choosing to buy at the peak of the market then immediately sell after a national downturn and crying that you aren't going to make money.

So you tell them to open up their ceiling, then they peak around and the source of the leak will become obvious.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

After literally years of looking (since 2022) I bought my first property a few months ago, so I feel extremely qualified to give advice (many people earned lots of equity during the pandemic appreciation-boom if they bought before 2022, but out-of-state investors getting started AFTER the 2022 interest rate hikes are few and far between). 

A QOZ must earn a minimum of 50% of its gross income on an annual basis from QOZ business activities.

It just means as a Banker I see the banks money as the way to get rich and save your hard earned money for retirement.If you use your money and fail you are broke, if you use the banks money and fail you sell or find a way to transfer the debt.

As Pari said, you can learn notes and earn more than that, or if you want mailbox money and do no work, JV with a note investor and you can get 12%+ and your money is not tied up for years but on average 12-18 months (or less) depending on the deal. 

However, if I earn too much “earned income,” I risk losing these essential benefits.That’s why I’m exploring real estate and the stock market, as these generate “unearned income” and allow me to maintain my benefits while building financial security.