And because Puerto Rico uses the U.S. dollar, there is minimal currency risk.Tax incentives:In 2012, Puerto Rico introduced a series of tax loopholes to lure investors and businesses.

I guess one thing I'm failing to understand here is how people are able to get started, "Little to no money down" which is the situation we're currently in if everyone keeps telling me I don't have nearly enough money yet.After looking further into pulling everything out of non retirement stocks and crypto holdings My total cash on hand is closer to 30k.

Whether, stocks, currencies, real estate, commodities, etc., if you see it on a graph you will notice a lot of peaks and valleys in the trend.The peaks and valleys are human nature at work.  

Here in Canada, the Currency Act describes legal tender:8. (1) Subject to this section, a tender of payment of money is a legal tender if it is made(a) in coins that are current under section 7; and(b) in notes issued by the Bank of Canada pursuant to the Bank of Canada Act intended for circulation in Canada.Marginal note:Limitation(2) A payment in coins referred to in subsection (1) is a legal tender for no more than the following amounts for the following denominations of coins:(a) forty dollars if the denomination is two dollars or greater but does not exceed ten dollars;(b) twenty-five dollars if the denomination is one dollar;(c) ten dollars if the denomination is ten cents or greater but less than one dollar;(d) five dollars if the denomination is five cents; and(e) twenty-five cents if the denomination is one cent.It would also appear that under the current interpretation of the Act, the method of payment (e.g. cash, debit or credit card) used in a transaction is a private agreement between the buyer and the seller.

You are basically saying the lawful currency of the United States is NOT acceptable to pay the debt your tenant owes.

Any talk of the US dollar loosing its status as world currency of last resort is just absurd.  

However, Comptroller of Currency, FDIC, FTC and other regulatory agencies have rulings amending lending activities by consumer and commercial lenders to Reg Z.So far, the individual HML is still out of the woods, they aren't under most of the banking regulators' cross hairs, technically. 

Also tough to blame the marketer because well thats not how you sell the product not by starting off by telling people your life might get turned upside down for a while once every few years and your 15% - 20% return could have as much volatility as my crypto investments if something goes wrong or your property manager has a hiccup.

The crypto IRA firms have plugins for crypto trading but none for SEC compliant Security Token Offerings. 

There are many benefits of real estate tokenization versus traditional methods of investing in real estate. 9 Benefits of Real Estate TokenizationIncreased Transparency - Investors are able to know the property’s value in advance since there are regular updates to the blockchain-based system.Access to Capital - There is an increase in capital flowing into a project since the property can be fractionalized more efficiently allowing for more investors to participate.Diversification of Portfolio - Fractionalized shares allow investors to invest in multiple properties as well as internationally.An Investment backed by Collateral - Real estate tokens offer considerably less risk than cryptocurrencies since the tokens are financially supported by tangible property.Constant Oversight - The real estate token’s value shouldn’t fall below the net asset value (NAV) of the real estate assets due to regular checks and balances to ensure stability.Increased Pricing Accuracy - Since discounts due to illiquidity will be largely decreased, the price of the asset will approximate its real market value.