Pricing is still relatively low for a beach market, and I have several clients who have decided to buy now and rent out their properties with the aim of eventually occupying them when they retire. 

Is there a cost or a risk of them seeing it not being real?

Reason your listed NMLS is same for several states and different for others. 5. 

These properties were exchange properties from a 1031 transaction several years ago.

Check out the Neighborhood Assistance Corporation of America (NACA).NACA was formed in 1988 and provides an affordable option for potential first-time buyers:✅ No down payment✅ No closing costs or fees✅ No mortgage insurance✅ No consideration of credit score✅ Below market fixed interest rateThere are several requirements to be eligible, starting with attending one of their workshops.https://www.naca.com

I have been slowly developing a relationship with several wholesalers, several repair people and a young and ambitious Real Estate Agent for the sales end.

However, it demands strategic and cautious handling.The advantage lies in accessing capital without selling existing investments, but the risk involves putting your primary residence on the line if you can't meet the loan obligations.A HELOC should not be your primary choice, as it carries more risk than a traditional mortgage with higher interest rates.Considering your stable income and disciplined approach to investing, focus on saving for the down payment.

., while I have not invested in a turnkey property, I have viewed several on some of the websites.  

I don't think we will see meaningful reductions in rates in the next few years (if ever).Many areas have SEVERE housing shortages.

I wanted to protect them, while on the other hand finding ways to creatively maximize their take home while keeping our risks low due to the potential upside of the deal.