If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

Personally, I think they are very ugly and I really don't see how using them saves much (any) money unless you get them free.Finishes are the most expensive part of construction.

Personally, I prioritize land lord friendly states because this significantly reduces risks.

@Joseph Lombard The HELOC is best described as personal short term financing.

Just as a reminder in addition to the interest rate, amortization schedule and fixed period of the loan, inquire about: 1) Prepayment Penalties (In case you want to refinance in a few years), 2) Possibility of Rehab Funding, 3) Reserve Requirements, 4) Personal Guarantees, 4) Rate Adjustments (i.e. at the 5 year mark) to understand other variables in the loan product that works best for your project.

I have good personal credit (~730-740), average-high personal debt (mortgage, student loans, vehicles,) and I am employed making $90k/year.

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

I have to do a little more due diligence before I feel comfortable with sending them any of my personal info.

In order to undertake a new build I would have to personally know the builder and be comfortable with his work.

Check out BP Podcasts: https://www.biggerpockets.com/podcastBest of luck on your REI journey.