We would start paying off the lot this year and be done in 3-4 years.

Here are some common financing options:Traditional Mortgage: Obtain financing from banks with a down payment, paying off over time with interest.Hard Money Loans: Short-term loans with higher interest rates, often from private investors, suitable for quick acquisitions or credit-challenged investors.Private Money Lenders: Individuals or groups offering direct loans, with terms negotiated privately.Seller Financing: Buyers make payments directly to sellers over an agreed period, with terms negotiated between parties.Home Equity Line of Credit (HELOC): Borrow against existing property equity with a revolving credit line, typically offering flexibility.Real Estate Crowdfunding: Pool funds with other investors via online platforms for various real estate projects, offering diverse investment opportunities.1031 Exchange: Defer capital gains taxes by reinvesting sale proceeds into similar properties within a specific timeframe, useful for tax optimization.REITs (Real Estate Investment Trusts): Invest indirectly in real estate through publicly traded companies, offering liquidity and diversification.Joint Ventures/Partnerships: Collaborate with other investors to share resources and risks, leveraging each other's strengths for larger projects.Subject To Financing: Buy a property subject to the existing mortgage that's in place on the property (doesn't get paid off when the property sells).Assumable Mortgage: Buy a property and assume the mortgage that the seller already has in place.Lease Option: Rent a property with the option to buy it prior to a later date.Debt Service Credit Ratio (DSCR): A loan approved based on the income potential of the propertyThese options cater to different investor needs, preferences, and financial situations, providing flexibility in real estate investment strategies.Thanks,

But as you journey through life building a family, starting a business and acquiring wealth it is ok to have a list of things that you should not have to do and it is ok to pay someone else to do it. 

Sellers are desperate, will pay of better in the long run 

There you go, there's your niche......The one thing I've noticed about (most) Realtors over my long relationship with them is this - they do not (generally) pay great attention to their clients, except when they are brand new.

Last 2 pay stubs3a.

When we sell, I'll list the property and forgo paying myself any commission. 

No first-time investor should be building or paying to build.

@Brandon Chung college is the best time to do it, but you would get their parents as co-signers just in case they stop paying.

HOWEVER, you pay a higher rate to do that, you are obviously financing more which also increases your payment.