And on top of not disclosing the true nature of the transactions, the borrowers were unknowingly entered into 3rd party transactions, without knowledge, consent, or recourse.

But from what I've observed (and I'm sure you've seen too), only a few new investors, who are more analytical in nature, do this.One of the issues that I've seen again and again is new investors putting together a "spreadsheet" based on their limited understanding, that produces inaccurate or misleading numbers.

Just the nature of the business....

Rental properties are a high CapEx / low cash flow business model by nature.

Holding investor funds without a clear and reliable process for withdrawal reflects poorly on RAD’s reputation and calls into question the ethical nature of its practices.

Once you go through the whole process, you'll know exactly how it works in your area for the future.If the sweet nature of the dogs is what's bothering you, and how unfair it is that pit bulls as a rule are treated with what could be seen as deliberate malice by the media, give some money to the Humane Society to do more to advocate for the Cause.

I might say that most of those are going to be residential in nature as well. 

I already run up expenses for my trading income on a credit card because Im responsible and its helpful when building credit, Im also on my families card or something of that nature, but at my age I am not entirely sure what the best course of action for credit building is any tips would be very helpful!

Don't discount that.Real estate remains a valuable investment despite current challenges due to its tangible nature, long-term appreciation, and potential for consistent rental income.

The BP community of course naturally gravitates to fixed rate long-term debt on real assets as probably the safest way to use leverage to build wealth.