From an investment perspective, there's nothing wrong with the stock market but if you invest properly into real estate or even private lending in your retirement account you can get a much higher return than 8%. 

The intent is the sponsor needs to know enough about investor to feel comfortable the investor has the financial knowledge and acumen to properly evaluate the potential risks and benefits of any investment and the financial stability to invest capital for a 5 to 7 year period.Topics of discussion with sponsor would be:Income, credit, job stability, prior investment experience either with real estate or other asset types, education level, occupation and profession, amount of savings or funds in retirement accounts.Hope this helps.

In my opinion, most risk management comes from proper deal analysis and not specifically what is in the loan docs.

As you might know already, a lot of big corporations and wealthiest people of the US have moved to Miami area in the past 2 years as well as families who follow better lifestyle for their children's future and themselves. make sure you buy a somehow unique product (for ex; water view, flexible layout, high ceilings, building amenities etc). 2. 

They have received two blight violations for failing to store trash containers properly, resulting in costs of around $400.

Saint Pete proper (city limits) is a 30 day minimum but as you indicated IRB, Seminole and some others jurisdictions like Largo etc are legal.  20% CoC is tough, but not impossible. 

However, because Shellpoint has CONSISTENTLY FAILED to properly credit my accounts over and over, it is a non-stop string of emails stating I am past due, blah blah blah.

I would just add that people should be cautious to only buy properties that have a legal, properly permitted ADU.

.- Purchase price: $250k- Sale price: $350k- Depreciation: $9k => Roughly ( ($250k*.50)/27.5yrs) *2yrs)- 2023 marginal bracket: 32%What is the proper taxation?

We all have different financial situations, lifestyles, risk tolerances etc.