Based on my calculations and preliminary research, I have found that the Bay Area offers good returns from developing land, although acquiring level land and obtaining permits can be challenging.I have a few questions:1) Is it recommended to purchase a complete house plan from online sources like ePlans or similar websites and then customize the architectural design before submitting it to the municipality?

Sum with Gross Margin and that's your EBIT (earnings before interest and taxes).Next subtract out interest expense and add in any interest income(probably none of that).That gives you net profit before taxes.Then subtract out tax expense.That final number is your Net profit or loss.The principle is accounted for on your balance sheet as you pay your loans you reduce your mortgage liability which increases your balance sheet.

My current primary was purchased in 2018 with a conventional loan.

So after that I started leaving bad reviews online.

The loan is the cost of doing business. 

I’m going on the loan now.

primary residence loan

conventional investment property loan What was the outcome?

We used a commercial SBA loan with 10% down, but with my commission, working capital, and some Pandemic incentives, we were able to purchase this home with $2,000 down.

This house qualified for a homestyle renovation loan so that's what I ended up doing.