This entity is currently raising funds from investors with promises of 82% returns.Ron Fossum, dissatisfied with his simple, concealed role at Norada Capital Management, is also involved other business ventures, none of which appear to be legal.

I'll keep this short and simple.

dogsbite.org is a propagandist site created by a web designer who was bitten by a dog.

His reason was the only thing he knew to do with the proceeds was to loan it back out at 12%, and he would be "behind" where he is now in cashflow.His proceeds would have given him options up to and including PE, but he is a simple man and in his case holding was the option for now. 

I recommend a simple spreadsheet to check your math and it will make it simple to adjust each year.End the complaints.

Insurance protects your property from paying out of pocket for damage, plain and simple.

Project File is at link below. w overview of plot, creek and proposed house designs for the build.

Instead of tying up your retirement funds, tapping into financing specifically designed for real estate investors can keep your portfolio diversified and your retirement intact.Leveraging your 401(k) is your personal decision, but framing it within the broader context of balancing risk, liquidity, and opportunity cost can clarify whether it’s the best tool for your goals.

I also agree that RE appreciation is unlikely to match the last dozen years, but you never know.Where I am unsure we agree is that paying $450k to improve the cash flow ~$3k (your numbers but I expect my delta wold be similar meaning both my cash flow estimates would be worse than yours but both would be worse by the same amount not affecting the difference) makes sense especially if the cost of having the extra $450k is only 6% rate which is historically simple to beat via numerous investment options and hopefully no one is investing in RE for an expected of 6%.  

How does one define design choices, etc?