@Kang-Li ChengI cannot comment on this specific company but we buy loans from similar companies (both performing and non performing) and I Can say the consistent component to these companies is they are horrible at underwriting and write loans to collect the points / fees but many of the loans we see we cannot believe they gave that person a loan.I am curious what types of returns they targeted as the invest in one asset model to me is very risky.

I write and share a lot about my experience, the market there, and even openly share performance history and numbers on my own rental portfolio.Happy to send you and anyone else those resources.

Is it functioning properly?

With real estate, some of the biggest pluses aren't seen in ROE (or ROI for that matter, at least until you sell), namely appreciation, principal paydown and depreciation as a tax write off.

If it did not, I would have insured that my buyer knew that before writing the offer, and we’d have built it into the offer if buyer really wanted any of that paid by seller at closing.

No, because they are not a write-off if you're merely buying your own meal. 

Did you know how to write up a P&SA?.

I would not trust AI with anything really important, like writing legal documents or designing a new house.

I have helped dozens of people buy and sell functioning homes.

Don’t you just love the “other” write-in?