We of course are planning to meet with a real estate CPA to clarify these questions, but I'm trying to be as prepared as possible and understand as much as I can before meeting with them.  

One thing to understand about debt, there is good debt and bad debt.

I am trying to understand land contracts and how they work.

It might also be helpful to take advantage of free trials or demos offered by software providers to better understand what best fits your needs.Good luck with your search,KC 

It's about understanding their situation inside out – not just the numbers game but their personal challenges, goals, and worries.

I build this rep for myself not because I am good at it, but because I help people understand how it works.Do the same, and you too shall become the expert in your space.Now you have a credible website, and you have polished social media accounts.Look into facebook ads, PPC, tiktok youtube, and SEOThere is where you start and this is the ONLY way to do it reliably with predictable success without having to resort to strategies with less than a 0.1% success rate.The result?

Hey @David Caddy, I understand your frustration, and that's why I encourage beginners to set realistic expectations from day one.

Sometimes people don't understand that getting a househack duplex in a solid B area is a great move, but certainly not sexy!

Yours might be but that's uncommon overall.If you've never had a claim that's great but it's not really relevant to the discussion.Do you understand how partial losses work and what loss settlement provisions you have on your policies? 

1st off- Kudos for your enthusiasm to tackle a difficult problem; adopting new materials and building science understanding on really old structures.Success levels for energy retrofitting will be directly tied to the level of "gutting" you do to the old house, especially trying to add a vapor design and passive ventilation retrofit.