Some carriers offer loss assessment insurance, which can come into play when the HOA experiences a large covered insurance loss, such as a hail storm requiring roof replacement or a fire requiring building replacement.  

The market research and development can be intensive, but there’s growing demand in many areas, especially near popular natural destinations.Best of luck! 

Quote from @Jaclyn Spinelli: Quote from @Aristotle Kumpis: Are you looking for more of a cash flow play vs appreciation? 

This typically comes into play with big banks (Chase, etc) who are buying the loans to place them on their balance sheet.

Less capital intensive and you can get your feet wet.

I I am playing with different scenarios and want a back of the napkin number I will use https://www.omnicalculator.com/collections/real-estate.

I’m not looking to make real estate my full time job or anything that intense, but more tools to get me to financial independence sooner are always welcome, and this is something I think I could be good at. 

LTC/LTV also lower which combined with depository relationship makes borrowing even more capital intensive.

Buying raw land near brown field could be a good long term play.  

Again, this is where weekly email newsletters, monthly physical newsletters, etc come into play.