And while you may be experiencing worse than average issues here, if you can stem the tide for the time being financial you will come out of the other side learning a lot and you will be ok. 

Also, I will assume that your goal is financial freedom.Financial freedom isn't just about replacing your current income.

He has stellar credit but is unable to make deals due to the sensitive financial company he works for and the amount of student loans he cosigned for his kids. 

Our goal is to build something impactful, creating opportunities to support our community and work toward financial freedom.

They are not meant to adversely impact any business or individual directly or financially.

I agree with U if you had to stick to 6% these are not financially viable..

Prioritize your financial stability.

You should definitely get professional advice all the standards, legal, tax, financial, etc. before you do anything.   

But, a non-favorable catch is the requirement that Hometap becomes your financial power of attorney over the asset, in the event of default or a breach of contract where they can transfer the deed of your home, and or sell your property without your approval(cost, fees, time)Below is a situation I'm trying to evaluate.

Some other copy & paste advice:Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?