What is the end product of your effort and where is it located, how long will it take to sell?

There’s no reason to go through a disaster (I'm mid recovery myself) and not get the financial upside by becoming the developer and selling a finished product versus raw land.If you have to completely rebuild, it’s a two year process at minimum.

Crappy products made not to last.

I was recently able to acquire a property that cash-flowed day one thanks to owner financing. 

I would like to acquire a 15 unit or so apartment.

1.Finding Value: Identifying properties with strong upside potential is critical in markets like Antioch.2.Rehab Management: Staying under budget and on schedule ensures better cash flow and quicker refinancing.3.Leverage Matters: The HELOC strategy allows me to scale quickly and acquire more properties without tying up personal capital.

I think they've done a great job of building their product and if you already have a property listed on Airbnb, it's super easy to import to MiniStays (though it's not difficult to list your property there if you don't.)

That will have a much larger impact on your outcome versus the debt product. 

It would not surprise me if they were acquiring the paper and servicing rights to take an inside line on refi's for these customers if rates decline.Actually CFPB regs may NOT apply if the subject loans are investment or commercial property loans and not SFR owner occupied or consumer loans. 

How are you going to acquire 30 houses free & clear?