This is not legal advice Lupe, so if you end up in the slammer because of it, the only thing I’ll promise is to send you a cake with a hacksaw baked in ;-).

If you bake a cake, it almost never comes out as good when the recipe is followed to the letter.

The regulatory issues are thicker than almost any industry, dealing in dirt is a cake walk compared to finance.

My thought would be that you do not.Appreciation should be the icing on a cake and NOT the cake.What you CAN quantify today is cash flow.You can look into the future on appreciation based on data but it is not an absolute.The one item you didn't mention is do you have a job that pays all your bills that allows you to save up this money??

I finally got a PM for a third in 2020 and seller-financed off 14 last year and this. 6 now should be a cake walk. 

This makes the condemned home I just bought seem like a cake walk!

Now, do we send a cake or flowers to the head office? 

I know it seems silly but it's almost like baking a cake and deciding you'd rather not mix in the sugar.

You will need to seek a ZONING WAIVER and that's never a cake walk :sigh:

You find a licensed contractor that can last 3 years and I'll bake you a cake.