@Nichole StohlerI find using a SDIRA to be a great tool for passive investments and growing your retirement with less stress than the stock market roller coaster. 

We are living in the age of marketing. 

They only operate in markets where their data can hedge an almost guarantee if you follow their protocol.

Look at their marketing strategy.

Your interest rates are low. 8.5% is around the "market rate" for owner finance buyers right now...30-yr, fully-amortizing2.

I can't speak too much to the market on the Westside, but as far as affordability on the West Coast Spokane is worth looking into.

we build at or slightly below the average new build in our market where there is high absorbtion 

I'd be interested in any insight on the Sacramento market, esp. from investors in multifamily.

I am proficient in investing and confident in earning 7-10% returns in the market over the next decade or two.

Here is a list of why adding a single ADU in single family zoned areas in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.