For all methods you would want to find a market that has strong employment rates, strong income rates for the market, and is a growing or an established market. 

It worked out fine, though each time I got a little less than advertised interest rate (about 9% vs 10%) and I had to send a reminder email to to get my money back, but I did get it back.I ask about others' experience, because I'm still not 100% sure it's not a ponzi. 

We've been able to rent properties pretty quickly, just as long as the rental rate is appropriate!

The properties looks good in 2020 when they were 515 and interest rates were 4%.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

At any rate, I saw someone trying to explain how the @... works yesterday and I tried, but I really couldn't figure it out.

If so what are the interest rates on those debts?

Mainly because many seconds the rate on the note is a few points higher so greed takes over with no real understanding of the risk..

The trade-off is higher interest rates and points.

You can likely do this with your savings rate (that will likely increase) and age.