They have been systematically exploited and programmed to become slaves.

@George Gammon, there is absolutely no doubt that there were ample loopholes that were exploited.  

Learning a little bit about errors such as anchoring, recency bias, the assymmetry between our reactions to profits and losses, etc. allows you to exploit them for higher returns.

Some people are willing to find vulnerable people and exploit them just so they can buy a faster sports car or a new Rolex, it is sad but true.

@kathy ReissmannFrom a purely pragmatic perspective you might consider the following points;Sounds like the cost of 12 months money to you is 20%, if so depending on your level of experience, it's not unrealistic in hard money terms.It's never a good idea to do business with family, but if needs must, you must and always make sure you have your paperwork in order and you are going to be able to meet your obligations.Always take a professional position when somebody tries to exploit you like this. if you still need the deal go back and negotiate with charm and a smile, business as usual and get the best possible deal for yourself.Best of luck with it!

Don't let yourself get complacent - find and exploit the silver lining.

Use your skills for evaluating deals and exploit it as best you can.

We both have profitable businesses and cannot justify large amounts of time away from our bread and butter.We are sitting down later today to discuss how to go about exploiting these leads.  

The country is not that exploited in terms of real estate yet.

Also hoping you are exploiting a niche!