This could be perfect for them.I still fail how to see it defeats the options that I provided, or leans towards a better passive model or even a "partnership".

There's no real perfect solution.

No one has a "crystal ball" to time the market perfectly. 

.- Tell them they'll have to provide you with a copy of their renter's insurance naming you as additional named insured, with a minimum of (I use $300,000) liability insurance, also before they move into the unit.It's not perfect, but it's a start toward a tenant transparency.

Sure for most occupant home owners with no money in the stock market and cash tight perhaps (just my views mind you) use of their HELOC to have a house they live in paid off sooner makes perfect sense. 

Flips have done good not great, Air Bnbs are going good not great, and rentals all were brrrr'd perfectly but like most cash flow just enough to pay the bills and cover expenses.

@Kevin Sobilo I was speed reading and wasn't actually looking for a perfect analog but your assessment doesn't sit well with me either. 

Our Google reviews boast an almost perfect rating, and as Hannah pointed out, our NPS score falls within the "world class" range!

Quote from @Patricia Andriolo-Bull: Quote from @Dominic Mazzarella: I believe that Stessa isn’t designed to handle all the nuances of depreciation and tax adjustments perfectly.

In a perfect scenario your sphere of influence’s sphere of influence will now become your sphere of influence as well.