But that's not how it had been described to me by the lady from city housing. 

Until you get better clarity on those answers, you are more likely gambling instead of investing.

So in reality you are ALWAYS gambling in the stock market, yes, even with those big names that seem inconceivable to every drop and ESPECIALLY with those because most are so shocked and in disbelief when it occurs that it's only realized after your left with pennies on the dollar because you waited out a recovery that was never coming. 3rd: MATH and leverage.     

Seems a bit high on the exp ratio near 43% but we do pay a premium for our solid cleaning lady, she also stocks supplies, runs errands and other duties for no "extra" charge.

This is my gamble.

In any event, we can continue to disagree about this and I look forward to the SEC's opinion on it.Syndications are investments for multi millionaires with plenty of money to lose gambling on real estate.

My guess is it's not the business of this little old lady he's renting from. 

Cashflow is guaranteed, Appreciation is gambling, blah blah blah.

You can't go to Vegas and expect to be reimbursed for your gambling losses.

These are very risk gambles that should only be attempted with money you don't really care about.