We have two adjacent properties, one of which will be undergoing major rehab and will require a new water service line (due in part to demand but also due to the idea that Chicago is pushing homeowners to bear the cost of replacing the lead pipes...). 

There was a lot of craze for crypto in 2021 and it all died down after the bear markets last year.

Not over-bearing like some municipalities I dealt with,  but they can be a good thing.

The underlying soil sliding on bedrock.

Please bear with me and if you've think I've miscalculated something or completely missed the mark on something, don't hesitate to correct me.

The only special consideration he has in the lease is identification of the interest bearing account for the retention of the deposits.

I get the gist of your comment and I have a deer feeder in my back yard where it is legal and I don't have bears and I live in a rural area.  

But for the average investor with a long timeline (10 year minimum) who wants broad exposure to many companies and a simplified, time tested approach to securities investing, mutual funds and ETFs are the way to go, especially if the investor is diligent enough to dollar cost average through the lows of this bear market.Summary: The volatility of the stock market this year and my short timeline make mutual funds/ETFs the wrong vehicle for my objectives.REITsReal estate investment trusts (REITs) are the mutual fund equivalent if stocks are like individual properties.

Took down a portion of of a load bearing wall to open up the space.

Create your cash flow model and make sure that the higher HOA fees are priced in to your offer such that it would be on par with a similar property bearing lower HOA fee burden.