Take that and use to rehab an older home in the area so that you can compete against the new builds that are being bought by out of state investors and transforming them into rentals. 

I genuinely appreciate everyone’s input.

From 410K it is the statement and copy of transform.

The point to all of this (to me) is to A)Build up enough independent income such that you're largely immune from needing "a job", B)Have enough money such that you can provide some security for your family,C)Have enough money so that you can provide funds to things important to you (charity, church, etc),D)Have enough money so that you can enjoy things in life that genuinely make you happy.If you are all the way down to D, then I personally don't see what is wrong with it.

I'm new to real estate and genuinely curious.

I am genuinely confused how I can have mostly pleasant interactions except with people who are intentionally flaming me and somehow that makes me defensive. 

They tear them down & build homes that literally fill the max allowable lot footprint so I can't wait to see the monstrosity they build on it.Case in point one block away...another one going upthat's the sand box we play in  transformation real estate.. 

Since her home was flooded due to an interal plumbing issue and the insurance company is paying to remodel the existing old (1920s) and dilapidated structure (could tell by looking at some of the 2x4 studs revealed in the partial internal demolition), I decided to find out if my mother can use the money should would receive from the insurance company in the form of a check, put that towards the remodel, and in addition secure a construction-to-permanent loan in order to fund the complete transformation of her 1 bed 1 bath 1,200 sqft home into a 2-story duplex that she can rent out, airbnb, etc.

He is a genuinely nice person and he procured contractors who completed necessary repairs on-time and on or under budget.

I can reassure the BP community that Frank is quite genuine.