Leverage is where your growth is going to come from, however, unless you're young enough that you can wait the 20-30 years to expand naturally.

My homes are 320 or 640 sq/ft, are beautifully designed and finished, energy efficient and virtually maintenance free.Local zoning and planning can't charge enough taxes and fees for micros to justify their overhead while the banks won't bother with a smaller loan. 

It's not a grand conspiracy, but it's just a natural thing.

You don't have to be wealthy with expensive advisors to do this either.Since there is no tax on the appreciated value of a property sold at its stepped up basis, your question about the regressive nature of a non-existent tax seems moot.It seems that you are suggesting that encumbering a property with a HELOC (or any other form of financing) increases the basis in the property or reduces the taxable profit when the property is sold.

I'm a numbers person (a Software Engineer) by nature, and I don't hide it.

The best way to understand Europe is that the EU has rendered all competition to a fiscal nature.

Have you done any projects of this nature in the Bay Area?

Down behind the home is a natural spring producing about 2000 gallons of fresh water per day.

Naturally, the exact amounts of these costs vary and are difficult to determine.Tenant agrees that he/she prefers to have a fixed, known amount that the Tenant agrees to pay if the Tenant moves out early, rather than taking a change that the actual costs could e more or less that this agreed-to amount.

Things can change overnight in other countries and the beautiful house you built might be occupied by a local on your next visit who tells you it is his.