Do these borrowers have ITIN's at least?

Long term $ can range from 6's-10% range depending on all types of factors - LTV, location, unit count, debt coverage, borrower strength, full doc or lite doc programs, etc..

Plus new folks do a very poor job of screening the buyer for Ability To Repay (ATR) which involves pulling full doc and calculating the borrowers DTI, honest income, honest debt payments, prior debt payment histor (FICO) etc etc.Plus shockingly (or shocking to sellers) if you bought this investment house, fixed it, then are selling with financing you are selling "inventory" and y9ou owe taxes on the gain in the year of sale, you are NOT able to use installment sale to spread out paying taxes. 

If Pace's team is vetting the credit of the Gator borrowers, vetting the actual deals of the Gator borrowers, and facilitating reporting of deadbeat Gator borrowers, then I see some real value.

If enacted, these changes would bolster real estate valuations and enhance returns for investors.How Real Estate Outperforms Under Different ScenariosIf Interest Rates Rise (Higher Inflation):Treasuries: Medium- to long-term bonds lose value, potentially resulting in negative returns.Real Estate: Higher inflation leads to rent growth, boosting net operating income (NOI) and offsetting the impact of higher borrowing costs.If Interest Rates Fall (Cooling Economy):Treasuries: Bonds appreciate in value, improving returns.Real Estate: Lower rates drive cap rate compression, significantly increasing property valuations and returns for investors.Conclusion: Asymmetric Risk-Reward in Real EstateWhile Treasuries offer a safe haven, they also come with limited upside and potential interest rate risks for medium- to long-term maturities.

I've received apps in the past where this was the exact situation only for the borrower to not qualify and be stuck. 

You borrowed $388k and you’ve paid your loan down to $384k with your $30k in payments.

For experienced borrowers I can lend up to 80% LTC and 100% of rehab on 5+ unit apartment deals like this.

We've also advised this method to our investor clients that borrow from us.

If you're not resident in Japan, you can't borrow from Japanese banks, and so that's out the window.