having hired an expert in this field, I can tell you they aren't really that sophisticated. I found myself with an absolute mountain of cash after an accident as part of a settlement. My medical insurance won't pay claims until I've exhausted that cash. The claims I had were much higher than even the mountain of cash. The lawyer I hired use a pretty effective strategy: he contacted all of the claims against me and told them we could engage in N-way negotiations amongst all the parties until we came to a settlement so everyone got their nibble of the pie. Or they could get X today, where X was some amount that was a bit less than the rate the industry actually gets paid for those services. They all accepted.

The discounts he negotiated left me with tons of cash & were in excess of the fee he charged me.

Land is not fungible ("location, location, location," as real estate agents often say) and good land is often constrained by zoning and other local regulations. Being able to buy a lot in the middle of nowhere with no access to jobs or other basic necessities is not terribly useful unless you are already independently wealthy. A truly widescale and permanent adoption of WFH might move the needle on this sort of thing, but (checks WSJ) gosh, whaddya know, it turns out Wall Street is fighting tooth and nail against WFH adoption.