Now, should you decide to enter into a real estate transaction WITHOUT a licensed agent, one should be mindful to not get unpset should that person get scammed in the real estate purchase or sell transaction.

(Either with the roofing company, a heloc, or a personal loan.)Either way you will probably be way ahead on interest saved unless you have a sub 6% interest rate.

I personally like the town of Oakhurst and the restrictions are less rigorous than Mariposa. 2.)

A person doesn't have to like these new realities but realities they are none the less.

Unlike long-term rentals, STRs can be treated as non-passive, allowing depreciation deductions, including bonus depreciation (40% in 2025) on eligible assets.For tiny homes, tax classification matters:If mobile, it is considered personal property, allowing 100% depreciation under §179, subject to income limits.

instead, why not find a market 1-2 hours away where you can be hands-on / in-person?

Creative Freedom: You get to design and transform spaces, which can be personally fulfilling.The Bad: Where Flippers Lose Money⚠️ Underestimating Repair Costs: Surprise structural issues, contractor delays, and material price spikes can kill your budget.⚠️ Market Changes: A hot market today might cool down before you sell, which reduces the profit.⚠️ Financing Challenges: Hard money loans carry high interest rates that nibble into the bottom line.Unrealistic timelines: If you think you're going to be in and out in 60 days, you're sadly mistaken-most flips take longer than expected.Real Talk: Is Fix and Flip Still Worth It?

I highly suggest as many in-person networking events as possible! 

For comparison, a Navy Federal FCU personal loan will be in the 15s%

I’d recommend checking local investor groups or networking with other landlords in Memphis to get recommendations for more competitive options.One company I’d personally recommend looking into is RiverTown Realty.