As I re-read your post maybe you meant the title company holding your earnest money?

I am not familiar with the "ins and outs" of a labor only contract but I would re-read your contract. 

After re-reading it, I realized that I might have given the wrong impression that you can get these outsized returns with most properties in the Costa del Sol.

So i live in Illinois and i am looking to house hack and ive been re reading managing rental properties and im trying to find out what counts as discrimination when it comes to the new SOI rule in IL. 

It's full of riddles and a huge process (you have to divulge the the lender, address, phone, loan balance, principal/ interest itemized before they sign any contract and then every month after they have moved in for example) but I'm reading and rereading it and will be talking with an attorney to make sure my contracts are straight before I ever do anything.

Tell your lender to reread their guidelines. 

Now after re-reading the brochure, I do not see a guarantee.

Now that I went back and re-read your post, I think my answer might be a bit simplistic.

Those who are wondering about hard/private money lending really need to read, and then re-read @Jeff S. post above.

Sorry, I should've been a little more specific on my post now that I've reread my original post again.