Then I refinanced down to a 6.6% rate but had to pay points but I think it was worth it because it appears rates are going to be higher for longer. 

They think my name is Att not Matt lol.I do have to say I appreciate Tyler appearing on the forum to defend himself but doesn’t make me trust him.

If a seller listed a home for $100,000 but was willng to sell for $94,000 as that was likely the FMV, it would be the same to him if he accepted $100,000 with a 6% seller credit or $94,000.I looked at the zip codes of lower priced homes in Memphis, Cleveland and Indianapolis and they appeared to perform betterMemphis38105 - Prices were $35,700 in 2016 and now $116,000(220%)38106 - Prices were $21,600 in 2016 and now $60,900(180%)Cleveland44108 - Prices were $34,000 in 2016 and now $59,800(74%)44104 - Prices were $36,300 in 2016 and now $60,400(66%)Indianapolis46201 - Prices were $42,900 in 2016 and now $149,000(247%)46222 - Prices were $39,000 in 2016 and now $127,000(225%)I should mention that I don't invest in Memphis, Cleveland or Indianapolis.

I'm very careful to avoid publishing the addresses and the addresses don't appear in the videos or the photos. 

Now It appears I am in trouble and at the very least will be looking at late penalties for not filing by 1/31/2023. * This is where the crux of my question comes to...

I would go to in-person real estate investor meetups (not masterminds) for six months without an ask and your partner or collaborator will appear.

If this is an older home, the 12 month expenses of $1430 does not appear reasonable (the actual may be much higher).

Sure the site is a little out-dated in appearance but it is so user-friendly and although it isn't my highest producing lead source, I do tend to get very strong leads from there and no spam so far. 

I'm also wondering what others thoughts are on the integrity of REICLUB to host and appear to endorse a program that is clearly a SCAM. 

It appears to me a few numbers are questionable.