Change in Financial Position: If the financial health of the business has improved (higher revenues or profits), it may be a good time to refinance to leverage that strength for better loan terms.6.

In this instance the judgments (20+/-) are already issued, now its a matter of collecting while the individual continues with their training programs and buying loans.

@Joel Owens  I can personally assure you that @Chris Clothier  does not engage in selling these types of properties far from it.. they may have in their infancy but then learned QUICKLY that they were unsustainable like you said.. this is a train wreck and its just unfortunate that this provider has this star power on his pod cast that give investors some sense of security when in fact once they own the property its between them and their Ghetto tenant  LOL...

A trained engineer could have some fun with this if something like this went to jury or if they were called in as a witness (kind of weird what engineers call fun for most people). 

This train is going to crash and there is going to be blood in the streets.

I also have no formal training in bookkeeping and don't want to spend the cash to hire one.

Train the tenants as to what merits a phone call and what doesn't. 

And then who would not buy a note if it was guaranteed although of course the gurantee is only as good as the company and their financial strength if they had a run on the bank..

You’re guaranteed to be a millionaire after 20 years plus have training, retirement, benefits.  

These are professionals with additional training and a stricter code of ethics.