This is great for penetrating into clothing fibers and getting rid of dirt, but on roofs it can disrupt the way that water naturally flows and can allow water to go into places it normally would not. 

Ok, in the spirit of disrupting, have you and your partner considered why you two are partnering up? 

The exception is major disruptions like the Great Depression, changes in lending following WWII and the recent boom, which was also driven by change in lending practices.

But I'm not sure that these technologies are disrupting the industry as much as Silicon Valley would like to think.  

Some attrition is a result of disruptions from the pandemic and some are gone due to quality issues. 

Likewise, liquid reserves are also paramount in the event of a disruption to the cash flow.

Some syndications use  a cash out refi to get them to their projected 15-20% IRR, which I find to be very aggressive, as a lot of things can change to disrupt that strategy. 

Netflix can fail, Facebook can be disrupted.

Our business model features 4 key disruptive elements:1) Agent ownership - we provide our agents w/ stock grants in EXPI, which was up ~400% Y/Y last I checked2) Revolutionary lead generation tools Kunversion and Commissions Inc., which would be prohibitively expensive to purchase independently3) cloud-based, virtual reality campus that offers ~30 hours of training per week4) Lucrative revenue sharing plan that offers a realistic exit plan from the business within 3-5 years.We nearly tripled our agent count last year, and are creating wealth and passive income for our agents that's unprecedented in the industry.  

Hmm cheap money and a tech based algorithm and a failed attempt to disrupt an entrenched business model.