One is don't put all eggs in one basket, use the diversified portfolio to be safer.  

I have heard a million horror stories over the last several years about partnerships that have quickly gone to hell in a hand basket.

While there are some great projects underway, most are very small scale - just a few city lots at a time.I've worked with one on the East Side and in addition to growign vegetables in the summer, they have a hoop house for year-round cool-weather produce, a lot with fruit trees, a lot with chickens and goats and they purchased the old, abandoned corner store and turned it into a community center with a library, computers and meeting area.

In our local area, we have fruit packing house tours, four or five of the 21 California Missions are within an hours drive, visiting wine country and all the tasting rooms to our north (use a designated driver, please), there is Yosemite, Bryce Canyon, Zion National Park, Yellowstone, Glacier National Park......All of the above are just the things in the United States. 

These guys can help a lot if you would like some hand holding and access to the latest low-hanging fruit to build your business scores: [AD LINK REMOVED]

I had a garbage disposal and a guest put a pint of seeded fruit/berries down it. 

My point in all of this is that it has little to do with securitization, which is nothing more than taking a basket of small securities (the individual loans), putting them into a larger basket, slicing that basket up into pieces with some degree of cash-flow predictability.

Plant fruit trees/plants in all rental properties, allow tenants to have half the fruit.  

Going after marketing by those with options and contracts to buy is the low hanging fruit of brokering without a license activities.  

Every asset class has its ups and down, but if you put all your eggs in one basket and disregard the federal incentives to invest in your 401k......Also, according to the IRS:If a 401(k) plan provides for hardship distributions, it must provide the specific criteria used to make the determination of hardship.