Eventually they realized that although highly practical, it was also highly confusing (and boring) to have both a 1st St. and a 1st Ave, a 2nd St. and a 2nd Ave, etc, that all intersect each other, so they switched all the avenues to nature-related names (mostly trees, birds and flowers but also some scientists and wealthy people's names peppered in like Carnegie, Curie and Tesla).

However if I were in the other people's shoes I don't see wanting to give you a no-payments loan for $200k for a year and a half, and only making 4% on that money for 5 years unless all the co heirs are independently wealthy (possible but seems unlikely).  

Equity, appreciation and taxes are where wealth is created.

I have ran a check on him and he is indeed wealthy, if he is who he says he is.

I had four homes and saw slow wealthy building but wanted to go larger, faster.

I have been interested in real estate investment since my 20's, although at the time, I thought it was just for a select few (wealthy) which had discouraged me.

Enter, a "wealthy" friend who trusts my judgment and work ethic to invest with. 

So those who suggest someone would struggle to survive on that are fortunate to suffer from the bias of being unusually wealthy.

As to a point system I'm guessing it's some method to avoid understanding RE and markets, another short cut that any monkey can follow to make you wealthy so that books can be sold.  

Becoming wealthy isn't my end state, I am really interested in becoming a Philanthropist... giving back is really what I want to do!