They don't understand the math behind any type of financial formula, so they have no idea how to make adjustments to it that allow the deal to work in their favor.I think a big part of this is the generation we live in/with, that is looking for instant gratification. 

If this were on Airbnb you would have a near instant refund.

We frame bathroom mirrors with wood frame casing with white instant hold glue to give the bathrooms some style.

Investing requires TIME, patience, and it's not instant. 

The market is always evolving and Mark is on the Front Lines along with his students.I felt an instant connection to Mark, he truly is concerned about his student's success, not just selling training material.I found Mark's community to be incredible. 

For 'smaller' amounts of under $100k many will even do an automated online appraisal and employment check, instant issuance and funding in five or so days. 

In general It sounds like a low enough LTV that it could even qualify for an instant issue and AVM (no apprisal.)

Instant online approvals.. 

On a positive there are 15-20-30 year amortizations and increasing income qualifications including instant approval and AVM (no appraisal requirements) for very clean applicants, and creative documentation for self-employed borrowers or investors such as bank statements or even DSCR (usually up to 75%LTV) for investment properties. 

Investing in class D areas may feel like instant (cash flow) gratification, but will not get you very far.