It's in great school districts, so I just listed those in the ad in a neutral, factual manner, which I believe won't violate fair housing laws as long as I avoid implying a preference. 

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. 

By investing in metropolitan areas your yield would be lower (6% to 7%) but you would have a lower vacancy rate.

So they work a full time job and go to school full time. 

If so what are the interest rates on those debts?

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.

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. 

How did you come to have expertise in the eviction rate in NJ?

If you're goal is a long term hold, you're almost certainly going to do well even with a market rate deal in any of those states.

It's probably going to mean paying points at closing, a high rate, and a serious pre-payment penalty (like 5 years).