We had a unique ability to rescue these most folks simply did not have the same abilities.

With inflation normalizing, the Fed is simply returning rates to a neutral level and they are guessing at the pace of cuts to get there (just like they guessed (wrongly) when keeping rates too low).

I told them I hadn’t asked for any, I simply wanted out I have never found a guru who honored refunds.

I simply thought putting it out there in the Forum might keep someone from unknowingly buying something that might leave you out to dry.

If the house value goes down, the tenant has the option to simply not purchase and you would keep their option money.

.  --- and... these issues become issues for the other Tenant and then turns you into the constant 'utility police' because you constantly have to monitor # of occupants... eww. 50/50 is simple and simply understood and 100% while vacant is also simply understood.

I think you need to start by figuring out what you’re near term goals are - are you wanting to generate enough cash flow to offset W2 income, are you simply wanting to supplement your retirement, are you looking for significant tax advantages etc.

Simply ask yourself the question how long will it take you to obtain 25% or 5% down. 

Then, upon resale, does this private lender simply inform the title company of the payoff?

So, you can't simply trust them to handle things on your behalf and often communication is challenging especially if they choose to make it that way.