Depending on the total loan amount for the property, each investor would have a prorated fractional share of the deed of trust. 

Ron Paul also has some good books outlining what true wealth is and how it differs from our fractional reserve banking system we have today.  

With MFRE, each unit is a much smaller fraction of the whole, so your vacancy risk is lower.It's easier to get high-quality third-party management for MFRE, because bigger properties support higher fees and salaries.  

There are tons of private money brokers looking to matchmake deals, and tons of private lenders who lend themselves, and then try to sell fractional or whole notes on the backend.Some important questions to ask:-do you want to loan on residential or commercial property/-where do you want to lend?

On the other hand you can find a property in Sunset Heights, Nash Park, Silverswan or Rufus King neighborhood that will over perform at a fraction of the cost.

Stay away from Viking.That said, Bosch makes fantastic stuff for a much lower price (owned by same company as Thermadore) that sill looks very high end and has really good performance (with the possible exception of their fridges, which are meh).You could also accomplish something similar with nicer LG or GE Cafe, also at a fraction of the high end cost.

Either they say deals are sold already, they want to offer 7% or 8% interest or the LTV is high, or they don't want to bother to fractionalize. 

@Brenda Whittaker, and to add to what @Taylor Brugna said, you can also deal with capital gains by leaving them in real estate but 1031ing into fractional or passive real estate investments.  

If they think they understand the terms...then later realize that they didn't understand them...it could fraction a relationship.  

- Caleb  HI Caleb,Most credit unions wont use rental income to qualify with out documentation of 2 years rental experience in "total," and some CU's require 2 years for each    individual property.The good news is you can either find a CU that will which is not many since CU's are by nature very risk adverse since as they say "they are lending their depositer's funds," which is only partially true since fractional reserve banking allows 10x leverage on deposits.One solution is you can use a fannie mae conventional cash out and if this is your primary you can go up to 75-80% (85% is max but pricing is not favorable so you'll probably stick to 75%-80% for most reasonable LLPA's - loan level pricing adjustments).