Take a bit of that money and invest in learning - go to meetups and the many events that take place related to investing in the city - some for free and some paid.

I can see why they price their projects accordingly because their system is designed to help relieve the construction management from the investor.

This means that if you pay off the loan too early, then you'll pay a 1-5% fee off the loan amount. paying off the loan early means you either refinance or you sell the property, both would trigger a prepayment penalty to the lender. that being said, you can choose your prepay options, 5yr usually giving you a better interest rate by like a 0.25%, 3yr being most common and standard, and a 0,1,2 yr where you can buy down the prepay to be less years. meaning you pay 1% upfront of the loan amount to get a 1yr prepayment penalty so you're free to sell the property or refi after 1yr. 

Feel free to shoot me a DM and we can connect! 

But it seems like 'nothing' comes for free.  

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.

In the Bigger Pockets free book, "Real Estate Rewind", as one of the 11 co-authors I wrote about one such Tax Sale purchase and made money but not enough money to warrant the risk involved.

Feel free to reach out and we can chat about private lending.

There is so much free content out there that can teach you about guest services, software, vendor management, and so on. 

If you ever have any questions as a new member feel free to reach out I enjoy helping.