Using a cash value line of credit also enhances returns because it lowers the taxable income of an investment. i.e. if you borrow at 5% and your investment makes 10%, you are only paying tax on the 5% net gain, not the entire 10% gain.All of the pros and cons of this approach have been debated here...https://www.biggerpockets.com/forums/519/topics/245380-paradigm-life-infinite-banking-whole-life-insurance?

Maybe you could each work so part time easy job to supplement your life style for a while.

This sort of factor enhances the scarcity of properties which is what leads to their heightened values, desirability and, over time, appreciation in rents.

They have absolutely no problem signing a false affidavit saying they couldn’t because of Covid Their affidavit's will reflect their lifestyle. 

I am financially stable and can easily afford my student loan payments and everything else I need for a very comfortable lifestyle to be honest.

When my passive income is 100% of my lifestyle expenses I'll maybe take these risks, but probably not.

Financial freedom requires a passive income that meets three requirements:Your income keeps pace with inflation: Financial freedom is more than just replacing your current income; it's about maintaining your current lifestyle for life.

Enhancing my investment, not destroying.There are a number of different return metrics, IRR is one of them. 

Something you may want to consider, although the tiny home movement is directed toward inexpensive life style the vast majority of "tiny people" place a high level of importance on appearance and quality of finish.

I’m very active in the Greater Boston market and can give you some feedback about the community and what do expect as an investor or lifestyle as an agent if you’d like some info.