You'll have to answer that on your own.

The key is that they are lending their own money, not just originating loans for Fannie and Hedge Funds  like the big banks do.First Western Federal Savings in SDNorth American Savings Bank in MOTitan Bank in TX

When you make every effort to help people and forget about your own profits, that's when magic starts happening. 

If you sell and invest elsewhere, will it work harder than it is today owning 2 duplexes? 

It's a federal crime to tamper with the mail and USPS has its own team of well-respected investigators for this.

For example (using general numbers), a borrower might receive $300,000 for purchasing a property and $100,000 for construction and first on the property under construction and secured by a second on other properties they own.

But most assets are in real estate.I only own SFH.

I imagine these are on the low and high ends of the spectrum around much of the country, assuming you can find a small shop that does their own fabrication.

@Chris Seveney, we own one investment property and have some money in retirement, but we just started saving so its not a large amount yet, so I wouldn't say we have a ton of assets at this point.

I really liked your spreadsheet and tried to mock it a bit with my own flare.Thank you for the tip!