so, let's say that I came into some money due to a lawsuit, and my lawyer spoke to me about investing some of it into a structured settlement for example.1,000,000 initial investment for 20yrs at 2.79% IRR At the end I would get back my initial investment of one million plus a profit of $552,847 tax free, for a total of $1, 552,847.

IMO, the foolproof way you ensure you avoid potentially squirrely irrational choices by your seller is by controlling the title, instead of a contract between you and seller.   

AG gave his "irrational exuberance" speech years before the tech bubble popped in 2001.  

with all the irrational exuberance for apartments these days this is kind of shocking.. and it does just go to show even in this markets rentals can  be run into the ground. 

I’ve seen very attractive IRR at close to 35%, at best, for multifamily, value-add strategies.

Is that an irrational concern?

There are times when the markets are irrational where 1 + 1 does not equal two.

Also during a crisis, people make even bigger irrational decisions, so this is when people are giving away homes/buildings for little to nothing down, if you'll just take over their ownership and make their payments, and make their problem go away.

Wallstreet is irrational and they trade based on "whispers" and future guidance.

"The market can stay irrational longer than most people can stay liquid."