@David Kanarek, @Domingo PerezIf I'm wrong on the underlying investment types, please adjust and respond.Understand the underlying investments are Crypto trading, Broadway shows, and defunct Brands. 

Here's the thing about ALE and similar agencies: they can be a goldmine, but you need to adjust your approach to meet their demand sweet spot.

Given your extensive reviews and strong opinions about so many land investing courses, would you be willing to verify your identity as an independent investor?

It’s easy to manipulate projected returns by making a few small adjustments in the underwriting and proforma.There is nothing guaranteed with any investment.A few additional comments:1. 

On our recent fund when we sell off the performing notes in year 5, that will be a capital gain from the difference from the adjusted cost basis of the assets to the net sales income, but the income to our fund members from the loan payments up to that point will be ordinary income. 

Example I think an S&P index funds are a bad “risk adjusted” investment.  

@Gash Nookala,Renting can indeed be slower in winter, but here are some tips to boost interest:Enhance Listing: Ensure your listing has detailed descriptions and high-quality photos—consider professional photography if needed.Competitive Pricing: Double-check local comps; even a slight price adjustment or incentives (like a reduced deposit) could attract more interest.Broaden Marketing: Beyond Zillow, Hemlane, and MLS, use social media, community boards, and local business connections to reach a wider audience.Flexible Lease Terms: Offering shorter or month-to-month leases might appeal to tenants during this slower season.Local Property Manager: A local pro can tap into their network and help fill the vacancy faster.These steps should help you find a tenant despite the seasonal slowdown.

adjust your price, be aggressive on it and it will rent.

Did you have an ARM that adjusted?

Yes, you can put down 10% for a second home, HOWEVER the rate adjustments for a second home and investment property have been the same for several years now.