As it reads, a pro-rata share is "equal to the Purchase Price of Participation divided by the Outstanding Principal Balance of the Note."

I have seen many investors fail here because they only have 1 or 2 properties and when the downturns happen it kills them,  So you are going to need more money and more properties to balance out the ups and downs.Investing takes time, it doesn't happen overnight, and I think people fail to keep with it when it doesn't happen immediately.  

How do you think we can strike a balance between corporate innovation and human dignity in housing?

AND The balance on one statement is < 100 and other not enough to cover the first months rent and deposit.

We do all our loans as balance sheet loans, so that means short term fixed rates with 20yr amortizations and 20% down. 

That said, the fewer units a property has, the easier it is to manage, so smaller multifamily properties can offer a good balance between cash flow and simplicity.

The notes, being in default had an unpaid balance of $3.2million.  

There are Markets in the western states like Vegas or Reno that offer a balance of cashflow and equity returns. 

Additionally, I mentioned that I had sent them a small holiday gift card as a token of appreciation (which I send to all of my tenants) and wished their family a peaceful and warm holiday season.Your insights helped me craft a response that balanced kindness with maintaining boundaries, and I truly appreciate it.

I like both of your ideas so I would look for the single where an ADU is permitted or one with a dump ADU to renovate (that's best) and balance that against the purchase of a 2-4 unit.