They also tend to stick with locals to create more affordable housing by locals for locals.

That creates a really nice price / rent ratio which is favorable for investors looking for cash flow.

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@Kadeem Kamal - Congrats on adding value and creating some solid equity in recent years! 

What I wrote above does not create an attorney/client relationship between us.

We have created an investment plan for them to buy shares of a property, against what we put down for an initial down payment, so it accelerates there returns.

A surplus is not always created by exceeding the reserve.  

(This is why most IRA accounts use the initial FBO "for the benefit of") That is why you can't easily get to the money and have to pay taxes upon withdrawing it.So, if you invested in real estate, and created some cash flow, the money MUST go back to the custodian and the IRA.  

BTW, I have a 2 decade long Facebook profile and hundreds of "friends" something you don't usually see with scammers (new profiles created with very few friends).