When I saw this product offered through CapFree Xchange and Appreciation Homes (out of Dallas) I was hesitant.

LLC offers better legal protection.3) Setting up in states that allow your identity to be hid is also overblown.

Any ideas or guidance James Dainard or anyone else could offer in this regard?

If they don't have assets or well paid employment, I would consider the offer of the payment plan.

They are a new international lender in Costa Rica offering 30 year, fixed rate mortgage loans specifically for American investors.

Explore a DSCR Loan with Reduced Down PaymentSome lenders offer DSCR loans with minimal cash-to-close requirements if your property cash flows (even marginally).

Variable income is SUPER hard since covid and no real way around that beyond showing an offer letter that states you get a minimum guaranteed hours, and you may need a payroll log to prove you never went below that number. 

The owner should look at it more like a DSCR, and should be pricing the property and offering terms such that the income from the property is adequate to pay back the loan.

We offer a ton of different fix-and-flip programs including putting 10% down on the purchase price and funding 100% of the rehab.

I'll definitely reach out if I have any questions.Your offer to share tips and tricks on the finance side sounds incredibly valuable.