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If you’re still weighing your options between Salem and Portland, I’d recommend Salem for its easier entry points and cash flow potential, particularly for a BRRRR newbie.

If you plan to live in the property, you may have a better (IMO) option of using section 121 to avoid cap gains taxes up to $250k filing as an individual, $500k as a married couple.

My initial hunch is that there may be extremely limited options of what can be built, and a likelihood of nothing being allowed. 

Are CD’s a viable option to invest short term?

You can evaluate options in different geographies with different syndicators.

I have trying to find ways to give back to the community and while I would love to increase my monthly tithe percentage but that's not currently an option.

Both options have merit: the standalone approach allows for independence and customization, while the duplex route offers potential rental income.

This subject can be explored at length but for the sake of time let’s cover 2 things here quickly:1.

My job is to make repairs and get the place lease optioned so it is producing income to cover the interest payments I need to make to the lender.