Some companies rely heavily on re-insurance, like Lemonade does, allowing them to “very capital light mode”.

Investors only receive a share of the income you actually generate, you will not owe a fixed repayment block.Difference here is that this model is for owners who either don’t want to take on more debt, can’t qualify for the financing they need, or have little time.At best, this is word games. 

I started back when they were in Beta mode and free so I've seen them grow quite a bit.

I'm still in reconnaissance mode... so need to collect as much information and knowledge as possible before deciding what to do.  20-80 is more of a rule of thumb and not a "magical" ratio.

I am also interested in the area and in research mode.

This is on hard mode.

The biggest hurdle in the Scott's model is the Deed for Contract.

Personally I would not go above 70% and when your done building mode drop down to roughly 50%.

It’s easy to get stuck in research mode, but the best way to learn is by taking small steps.

That’s why our syndication model is designed to provide them with profits over the next 30 years while reinvesting in the community to ensure long-term stability.