Thank you for taking the time to do a deep dive. 2% home appreciation was also a fairly low estimate, it looks like in that area it is actually around 5-6%.

Thank you, I do try to always be professional, transparent, and fair.

in the desert units are often on the roofs.. you can only hope the criminal stumbles and falls off the roof and breaks their butt and decides thats not a good play for them..

Quote from @Portia Dampier: Hi BiggerPockets community,I’m fairly new here and somewhat new to real estate investing.

I do not find your complain about getting on their marketing list fair.

Plot 1: 2024 market value of $6,900. 45x120Plot 2: 2024 market value of $3,800. 100x94I'm still pretty new to the game, so I have no experience with land deals, ground up construction, zoning, things of that nature, and am wondering what the best play is.Sell one to help with acquisition costs and build an ADU on the other?

Being fairly new to land lording I felt the need to gather a bit more insight from other seasoned professional with how to proceed, but you're absolutely right. 

Networking plays a crucial role in this industry and remember to keep learning continuously.

I suspect in most mortgages the Borrower entering into this type of agreement without the written consent of the prior lender would be a default.What debt coverage ratio do you think would be fair considering the risk? 

Then again this would also mean that I'd need to build a small team, and I'd need everyone to perform whereas they're bringing it all in one.Another big thing here is the risk - as I said above I have a fairly pessimistic view about the economy in the next couple of years..