Here's the thing about ALE and similar agencies: they can be a goldmine, but you need to adjust your approach to meet their demand sweet spot.

It’s easy to manipulate projected returns by making a few small adjustments in the underwriting and proforma.There is nothing guaranteed with any investment.A few additional comments:1. 

The necessary steps to follow would be that a claim is filed by the insured via a call to the insurance claims department and then an investigation would be conducted by an insurance claims adjuster who would then make a decision as to whether the claim would be paid or not.”My potential liability is further increased by my decision of not putting the property under an LLC when I bought it.What about don’t remedy it and leave it vacant?

For perspective, last April I closed on a new construction loan (build to rent) with a turnkey company there (Rent to Retirement).

One of the disadvantages is if I add an ADU to my single family rental, it's considered a 2 unit and under rent control so I decided not to do that considering all the construction costs. 

What @Nathan Gesner said ^^^^ plus....do you have other construction skills like plumbing/electrical/tile/etc?

Example I think an S&P index funds are a bad “risk adjusted” investment.  

And Vystar wanting the land and the construction to perm makes a lot of sense given the terms they're offering.

adjust your price, be aggressive on it and it will rent.

Hey Jonathan,I found contractors through refferals and facebook groups, those contractors were great but they are not experienced in new construction; plus with me being out of state it would be ideal for me to hire a GC, instead of sub hiring ( i dont have time for that being far away),I am switching from rentals and fix and flips due to there's just more profit when doing new construction, and way more deals!