This brings me to now, I've taken this approach and have used my own money in lending, but am also bringing in friends and family to take part in these transactions so they can earn way better returns than with CD's.

Since they are responsible for maintaining the relationship with you after the transaction closes, this approach adds an extra layer of confidence and security to your investment.

Without knowing your transaction history I stand by what I said.

Growth is best served TRANSACTING properties to HARVEST appreciation/equitable gains for redeployment of those gains (better know as PYRAMIDING). 

This phenomenon not only poses significant risks to property owners and managers but also threatens the integrity of rental transactions.

As its interest is actually calculated daily.

I am not in the flipping market but I handle multifamily transactions for buyers and sellers who are very transactional.

So you transactional income and drip income.. both can be scaled.

They think it's unfair because they only shower once a week but can hear the upstairs neighbor showering twice daily.

You need to know how to analyze property and then systematically evaluate property on a daily or weekly basis to stay on top of the market.