Selling property for much higher than what a licensed appraisal would come in at moves the transaction into fraud territory.Note/lien = sales price - cash downAPR: fair reflection of riskIf APR is high => "high cost loan" under CFPB => appraisal and inspection become MANDATORYAnything less than this...that's your butt on the line.

In regard to high fees and weak returns, I think that's more of a reflection of the fractional companies in the market today which screams opportunity. 

If he lived in the same place for four years, that should reflect on his credit score.I think you've found enough red flags to justify denying them.

In short - here are the reasons I pivoted to Real Estate Investing:All the benefits of Real Estate + growing STR optionsInflation raging at 10%/moCurrency wars and what or who will win them (Prec Metl or CDBC, etc.)Equities markets receive derivative pressures from credit markets and pressures on US dollarRealistic 10+ year opportunity in using Creative Financing, given monetary policies.Global disruption and impact analysis of COVID to businesses (small/large) and individualsWhat I was (originally) looking to get out of the program:Better understanding of Real Estate and it’s MarketLocally like-minded ppl that are more about collaboration than cannibalization (not reflective of BP in any way – this community is great too)Improvement in comfort level working in REI and learning “on the job”A community where I could find deals, connect with ppl for help and ask questions, etc.Business and Corporate Structure recommendations to accommodate short-term & long-term investment strategiesAnonymity strategiesAccess to vetted contracts for traditional, creative and gator (EMD) Real Estate dealsMy experience and feedback based on my expectations:Great original 6 week mentorship program.

Over the past few weeks, I’ve been reflecting on my future goals, particularly my path toward financial freedom.I’m 22 years old and just got my first credit card two weeks ago, so I don’t have a credit score yet.

.: @Jay Hinrichs You make an excellent point about simply charging a commission that reflects the work required by the deal.

Properties Needing Repairs: Offer to buy homes that need repairs in exchange for discounted prices or terms that reflect the repair costs.

So frame your reply as something that reflects well on you, even in the face of an unreasonable complaint.In the end, trust that your positive reviews will outshine the rare picky one.

Does this reflect a lack of interest or a lack of lots being available?

1 - There are no sitelink extensions, which could give your ad more "visibility real estate" and better reflect your business.2 - There’s no phone extension, allowing visitors to tap and call you directly (which, of course, will be tracked in the Google dashboard).3 - There’s no Call to Action.