Stacy, Be encouraged, you're in a temporary set-back on a worthy road to wealth-building & financial freedom.

Having bought in HOA buildings, I will never do it again.

Real estate investing can be difficult.

Can I 1031 the 1 commercial (cannabis) retail building and purchase 20 SFR?

I am starting late in life so I need to act, but finding the current market to be difficult. 

I currently own a retail building I purchased years ago. 3 years left on the loan with a sub 4% interest rate.

Deal flow in a difficult market helps hone your skill and teaches you valuable lessons as well. 

How would I go about analyzing, building, financing a project to attract well healed boomers?  

@Marco Werner Be sure to analyze the total cost for building the ADU vs. the amount of rent you can get.

Real estate is a long game, and while appreciation is a powerful tool for wealth building, it should be balanced against the immediate financial realities and the market's future outlook.I hope this helps!