@Zach Ranney your overall thought process is exactly what I would recommend.

My fear is that, as lenders, we could end up owning what would amount to condemned buildings on soon to be vacant lots when our borrowers either walked or went bankrupt after the “Big One” hit.While I also wonder about the solvency of the CEA, we’re in the process of re-evaluating our personal and business insurance and this thread motivates me to dig a bit deeper into it.

Is there another tool or process you recommend for finding unrestricted land? 

Why do I see some independent mortgage loan officers submit borrower's application directly to lender without going thru their employer/broker's loan processing?

You could also hire a professional cohost for a reasonable fee who can walk you through the process 

Thanks….I moved in to a new town in 2006… and I immediately joined the local REIAs…And the communication / email process of one had me baffled…. although there was a “ bulletin board” ..all comments were delayed a day or two before getting posted… I asked “ why the delay” and it was explained that all posts are vetted to make sure that they complied…blablabla…I called bull… by saying that …in my previous REIAs if you ran afoul of the rules there was a warning and a three strikes and you’re out system… but a sometimes deals a very time sensitive… getting the flip out to the whole group SWIFTLY was very important….

Dalmore seems to be one of the only (or very few) companies which have a platform developed which provides the seller a front end website designed for fractional real estate while having a backend for Dalmore to process transactions. 

Mariya, I am in the process of investing in the Sacramento area.

Learning from others' experiences and gaining insights into the local market can help you navigate the process more effectively.Best of luck with your house hacking journey!

RE Cost Seg is a fantastic company designed for owners of smaller properties.