$900 down to come to our initial 3 days of intensive training. 

Securing legitimate deals is a great first step.

with some training on how to lend.. hopefully a step up from not knowing what they dont know about lending. 

You’d be able to pull out $330,455, which is significantly more than your initial $236,930 investment.Your Initial Investment Back: This means that in 5 years, you’ll not only get your original investment back but also keep an additional $93k in your pocket.However, there’s a downside:Negative Cash Flow Impact: Over the next 5 years, due to the negative cash flow of $1,229 per month, your total cumulative loss will be $(60,153).

This creates a negative initial position.

Seems to me my options are...SELL - If I were to put it on the market I think I could reasonably get $2.8M - $3M, but at a 2.9M sale price my return on my initial investment is only 38%, or 7.6% a year over the 5 years.

Welcome and congrats on taking the first steps.

Quote from @William Woodring: Update on my postAs pointed out, the initial terms on my contract in Oct 2021 were beyond industry standards.

With your background in cyber security and experience in the stock market, you’re already bringing a strong foundation of analytical skills that will serve you well in this space.It sounds like you’ve done your research and are ready to take the next step—do you have a specific market or strategy in mind for your first real estate investment?

They will want to pass on the stepped up basis to their descendants and you want them not to.