After digging alot I found out Yellowfin has been suing to recover 2nd mortgage defaults from 2007-2009 housing crisis.

There were more times than I can count when there was a crisis where I was pretty much at risk of losing most if not all of my investment. 

I know WV as a whole is a trickier state to invest in because as someone said on here, it's kind of a one-industry state, plus the opioid crisis has hit WV pretty hard.

Bank loans on a lot of deals and then the runway ends and we don't find out until we have several contracts and end up in a crisis.

RAFT is only there to either help low income individuals into new apartments and to help people who are facing housing crisis and have received a 14 day notice or summons and complaint.

You'll have an affordability crisis that'll revert when wages>rents making RTP tighten.

I haven't seen a May this soft since the financial crisis.

Leveraging too much is exactly what caused the housing crisis some years ago, the impact we are still feeling today.The problem is that people get so focused on the "rent" and fail to calculate ROI or yield.  

Of our 50 plus loans about 10 went into default in the financial crisis of 2008.  

The 2 Bay Area properties (my SFH and the apartment building which is co-owned with other investors) were acquired pre-2008, so before the Great Financial Crisis.