@Andrew Boettcher That's usually the case in most instances there are two sides of the spectrum and it's usually best to be in the middle not on one extreme or the other!

On the opposite side of the spectrum to what Edward suggested, rather than placing the funds in a low-yield CD account, and with the thought that the passive cash flow is only for a certain period of time, ask them if they would be interested in being a private lender for other future creative real estate deals you may have in the future.This could likely result in a better return on their money than it would in a CD account, and allow you to leverage someone who is familiar with real estate investing as well.Best of luck Joey...

@Caleb Heimsoth I have a short Intro to Note Investing E-book and a new longer book called Real Estate Note Investing that covers a wide spectrum of note and real estate investing strategies. 

On the other end of the spectrum, I've had tenants lock themselves out when it was just a deadbolt.

I can't imagine trying to Goldilocks 'just right' even the length of it to keep everybody happy.As far as content and subject matter, I feel there needs to be a spectrum of niches and approaches. 

that's the beauty of Investing, you are creating your own numbers and there is no limit on the amount that you can grow to and help others do the same.I recently had a few clients who were curious on the investing side of the spectrum, and they were wondering " How high is too high of a target to set?"

I’d say I’m looking for properties all along the “B” class spectrum that will attract some middle class families  and perhaps white collar millenials who haven’t saved enough to buy. 

However, I know that's a rough around the edges answer and wondering: -Where does a forgivable loan fall in the gift/loan spectrum of underwriting?

The answer depends on what side of the HML spectrum you want to exist on.

I'm assuming in the broad spectrum of things these interest rates are nothing compared to the return I could make via REI, I'm just worried about the rather large principal.