I believe America is in the midst of an affordability crisis and giving prospective homebuyers more options could be both ethically rewarding and profitable. 

It's great for investors, as you can use idle cash to pay down principle and save interest.

I recently purchased land in Northern Ontario for a future development... as for my next "investment" property (not being my principle residence) I am just afraid my credit is going to go downhill and I should give it time to build back up.

Lets face it, the real risk is the principle anyways so protecting that is most important.I also have no early payment penalties and often, the ability for the investor to roll into the next deal allowing their capital to be constantly working for them.All loan docs should include the interest rates, loan terms, and payment schedules. 

@Frank SichelleI don’t believe they will hold sponsors to a higher threshold if these are a 506c offerings as there is a difference between ethics and law and being unethical does not equate to being illegal.There are also multiple layers of protection built in to these offerings that even in most cases if you sue they will use your money to defend the case.

However it could work potentially as long as its ethically done.

This also gives the consumer access to the Real Estate Guarantee Fund.Anyone who participates ethically in the business will simply get a license and business will operate as usual.

@Jingwen Dunford the principle balance never drops it stays the same at 100K.

@Chris DoucetteIf it sounds to good to be true....It's possible they are just quoting you their P&I payment, when you are thinking they are quoting you principle, interest, taxes, and insurance.  

Rock solid rental while the money is in the stocks doing double duty as the principle investment as well as your down payment equivalent.