Based on most of the work I do with HMLs/PMLs on behalf of my clients, 12% at 70% LTC seems a bit more conservative.

Several of the contractors offer helical piers but don’t seem to think they’d be a more cost effective option - we can directly ask about this again.  

A smaller paid off portfolio seemed a lot easier to manage so that is the path I was on.. but I've come to the realization if I ever want to accumulate serious wealth I will have to use leverage and scale big. 

This seems like a huge trap to me.

For late 2024, it seems to be just what I needed.

These things never seem to work out well 10 years later when you need them to sign stuff. 

Thank you it seems that most people I have talked to now are saying not to.

What seem to be the best zip codes for rentals?  

He seems to have gotten what he wanted.

This may seem like a dumb question.