@Jason ThompsonI realized that I employed a scarcity mindset at times, especially when I was putting offers, trying to lowball or get the best deal in a market that was on an upswing.

However, you can significantly reduce your cost of living employing different strategies. 6 years ago, When I first started, I had a duplex where I rented the 2nd unit and lived on the 1st.

My husband and I are wanting to flip homes, since he already is self employed and does exterior and interior construction, we figured we could do something more with his experience.

If he has employment in a purple zone $50000 won't build an ADU. 

We do full background, credit/criminal, employment, and rental history verifications.

All good input here and agree, there is no reason to sign a "contract" for employment to basically be their birddog.

What other marketing ideas can I employ that will target these same group of people.

., I don't know that I would choose RI or even the Northeast because I don't think the demographic and employment trends are super favorable for this part of the country, compared to others.However I think if someone is already in RI or this part of the country for other reasons (e.g., family or job), it's a perfectly fine market and you can still make money.I also think that if one is savvy and pursues a niche or two, that you can make money pretty much anywhere.

It's not exactly a "how to" book (the note business is probably too vast for just one book) but it does offer an introductory overview of the note industry as a whole, as well as feature some creative note strategies you could employ with traditional Real Estate that I used throughout my career.

I feel the exact same way & wam to employ the same strategy.