If I accrue $15,000 in cash flow, and $65,000 equity in 100 months with a total investment of $21,194.........that is a 377% return over 8.333 years.

Once they call because of curiosity.

Hey Lisa Phillips ,Just out of curiosity, who are you using in Richmond?

I was familiar with subject to but his book showed quite a few examples at play and this has really struck my curiosity.

Just out of curiosity though, what are the qualifications?

The benefit of the long term loan would be that the money is constantly accruing interest, while the short-term flip loans will be on and off repeatedly.I'm now thinking a 10-yr / 10% investment for my long-term deals.

I was using the website to familiar myself with note analysis at least from quick number aspects.I am new, so I won't really buy any note from there at least now.I knew it look fishy but cannot stop my curiosity to ask what's going on...:)and as always, learning something new by asking...good education here.I am also looking into trust deed investments which are provided by some HML companies.

It piqued my curiosity, so I decided to do some research to see what the company is and what it's all about.  

All rolled into the loan and whatever you don't accrue, is credited back to you at payoff.This is what the fees are for from a Hard Money lender on a Property in Hampton, Va.

Out of curiosity, was this title company recommended to you as an Investor friendly one?