Most private money loans offered by sophisticated investors today are in the 7% - 12% range.

@Brian Ellwood I agree with others who say less sophisticated investors misunderstand deal valuation if they are not using IRR calculations.

Fortunately I don't think home warranty companies are as sophisticated as they would like to think, and I definitely don't think most buyers of home warranties are as smart as black jack players.

@Martin RubalcavaAnd Derek is sophisticated Ie Pete Fortunato 'esk with a deed to secure an option.

Over the years I've worked with clients ranging from first time home buyers to sophisticated investors. 

Your money works for you, you get to focus on your social media business and don't have to deal with tenants, toilets, or managing the property manager.Best,However you'll need to be an accredited investor (over 1M net worth or making 200k/year) or at least a "sophisticated investor" to go this route, so this might not be the option, but if you're looking for something truly passive it's definitely recommended.  

I only invest in blue collar housing because that price range has the most buyers and I know I can get the most equity capture for the least amount of money out of pocket.If your a multi-millionaire forget this post because your an accredited investor and can afford to lose 20k no problem.700k you are looking at super sophisticated buyers who will nail you so hard on inspections you can lose your shirt quick.

A sophisticated seller will understand this.

Why the sophistication? 

Was wondering if more sophisticated short-term rental investors had a general outline/spreadsheet of the furnishings that they purchase to fill their rentals.