Our monthly surplus income, after accounting for all expenses, amounts to $3,800, providing a solid foundation for potential mortgage payments or land-related expenses.While I am confident in the value of the land to my operations and its long-term potential, I recognize the importance of careful financial planning and strategic decision-making.

With a "facts and circumstances" test This article can. help: https://www.irs.gov/publications/p523#:~:text=If%20you%20own%20and%20live,factors%20are%20relevant%20as%20well.Please discuss this with your accountant, as your facts and circumstances will matter greatly here! 

Have a chat with your accountant about it and make a plan! 

In my personal experience I was inexperienced and my company a brokerage (which are affiliated with many banks) held my hand through my learning process, paid me a base salary, gave me leads which I split my commission, guided me on how to attain relationships with realtors and how to generate leads,  they have many accounts with real estate brokerages where they are the exclusive lender which was a plus.

However remember to get another account opened before being removed, as this will create a 0 score again if there are no accounts. 

Setup dummy accounts and run them through what would be (as close to normal) day to day process and see which one works best for you.

I was involved in accounting, programming at the time, and my wife in finance.

It's more important that you operate the business out of the correct bank account (non comingling of funds).  

the money is currently in an account getting me 5% untill i make a decision... 

My wife wasn't involved in the loan or title, it was just me.