I invest in multiple cities across the nation, and I agree with the notion that you can be successful in any area.

If you saw pictures on the national news of people being rescued off the roof of the hospital, that's where I am.

But to touch on some of your points:-Costs to build are probably some of the highest in the nation, other than maybe Telluride or other vacation destinations. 

And still almost 4 month since then, I have asked Nomad numerous times for anything that would help me understand the new tiers and how its different from previous division of responsibilities. 

I started as an agent while I was in the Army National guard and specialized in working with the veteran community.

If you have a relationship and account with a community bank, that is a great place to start instead of a national bank.

@Greta Andrews Dave Ramsey a nationally respected financial expert , best selling author, and financial advisor calls whole life( cash value) insurance a con job orchestrated on novice investors by “ enthusiastic ignoramuses” masquerading as financial advisors.Borrowing money from yourself and paying interest on your own money is a non common sense approach to investing. 

Orlundo, some the nations best commercial and investment lenders may not be located in your backyard.

Rates as of this posting date vary but are in the 6s and 7s (or possibly 8s if not a top tier credit score or a foreign national loan as considered a higher risk and will be reflected in the rate).

We are barely making the minimum payment on the National Debt while we continue to print/print/print money.