page=1It is quite lengthy but to summarize, it turns out several other investors have also had negative experiences with Scott including:Gerry Cohen, Al Curiel, Beth Hale, Bella Scanland, Chris Frank, Michele Orgell, Kristin Cook, Gar ParriesMost of the stories are almost identical to mine.

Just like Carlos said it "feels" alot like the dot bomb here.I moved everything to bonds n cd's spread out.still doesn't make it easier laying off my guys tho.  

Mortgage bonds have multiple alternatives they weigh against.

They will significantly boost labor productivity; - Inflation is trending down;- the Fed is itching to lower interest rates and bond markets are starting to sniff out a shift in the winds;- there is a ~$70 trillion wealth transfer from the Baby Boomers to their kidsbeginning (including their homes and real estate assets);- home prices are increasing steadily, not chaotically;- overall rents are up, but steading thanks to apartment rents / supply;- wage growth, for more than a year, is back to above inflation levels;- and the bottom 50% have more $ in their checking accounts than ever before as a % of wealth.

He does not have the bandwidth to fill out lengthy forms, search for properties, or any sort of administrative work.

This is not investing in stocks and bonds and speculative moves.

A Stanford study revealed that over 75% of the ADUs built in San Jose between 2016 and 2020 did not have a permit and are therefore illegal housing units.The lengthy permitting process, high construction costs, and shortage of tradespeople are some of the factors motivating property owners and contractors to take on the risk of building, renting to tenants, and/or housing family & friends in an illegal unit.

In my opinion, I would not take the advice you received regarding using OPM is you have no experience in investing in real estate.I would also not look to be a private lender for several reasons1) You are better off putting your money with a corporate bond / CD and get 5-6% with little risk compared to 10% to 12% with much more risk given today's market conditions2) You won't be able to retire getting interest income, which you said is your goal.

It might be a combination of stocks, bonds, mutual funds and alternative assets.  

@Garrett BowserAgree with Wayne as it will increase his insurance and bond costs for having this project on the books along with the liability.I would guess 3-5% of project costs.