Or failure?

I'm looking to start investing OOS and I'm interested in learning from anyone who has had success and failures. 

Here are some options and considerations:Loan Against Equity/ETFs:Margin Loans:Description: Margin loans allow you to borrow money using your investments (such as stocks or ETFs) as collateral.Pros:You retain ownership of your investments.Generally quick access to funds.Interest rates can be relatively low compared to other types of loans.Cons:Your investments are used as collateral, so if their value declines significantly, you may face a margin call (requiring additional funds or securities).Interest rates can vary and may be higher than traditional loans depending on the lender and your creditworthiness.Securities-Based Line of Credit (SBLOC):Description: Similar to margin loans, SBLOCs use your securities (stocks, ETFs) as collateral, but they typically provide more flexibility and may not trigger margin calls as easily.Pros:Allows for ongoing access to funds as long as your collateral remains sufficient.Interest rates may be competitive.Cons:Similar risks of potential margin calls if the value of your securities drops significantly.Terms and interest rates can vary widely among lenders.Comparison with 401(k) Loans:401(k) Loans:Description: Borrowing from your 401(k) allows you to access funds without selling investments, using your retirement savings as collateral.Pros:Typically low interest rates.No credit check required.Interest paid on the loan goes back into your 401(k) account.Cons:Usually capped at a percentage of your vested balance (commonly up to 50% or $50,000).If you leave your job, the loan may need to be repaid immediately or could be considered a taxable distribution.Potential opportunity cost of missing out on market gains if funds are withdrawn from investments.Other Alternatives:Home Equity Line of Credit (HELOC):Description: If you own a home with equity, a HELOC allows you to borrow against that equity at typically lower interest rates than unsecured loans.Pros:Lower interest rates compared to other types of loans.Interest may be tax-deductible if used for home improvements (consult a tax advisor).Cons:Your home serves as collateral, so failure to repay could result in foreclosure.Personal Loans:Description: Unsecured personal loans can be used for various purposes, including investing, but typically have higher interest rates than loans secured by collateral.Pros:No collateral required.Funds can be used for any purpose.Cons:Higher interest rates and stricter eligibility criteria based on creditworthiness.I am a loan officer and we do some of the loans stated above.

TLDR, but if I read it, it would read as future failure personified.

Im in this space and in no why would I ever gamble my mothers resources she will need on one of the most volatile, high risk aspects with a very high failure rate.

I realize this is a huge failure on both of our parts and this would be much simpler if said agreement had been prepared. 

It might be frustrating, but both these companies have probably seen plenty of success and plenty of failure too and they want to see you win.Now with that said there are plenty of wholesalers in DFW that don't care if you win or not. 

I would say that's not a total failure of title so not a full policy payout. 

Does it have something to do with location, fear of failure, or something else?

This incentivizes the GP to stay engaged.Lenders can pursue guarantor for losses: Even with non-recourse loans, bridge lenders often require the GP to sign a limited guarantee to be liable for lender losses from things like misuse of rents or failure to maintain the property.