I know I'm asking a lot, but the more research that I do, the more I genuinely feel like she needs to pay for the suffering and losesw she's caused so many.

If the agreement shows "Joint and Several Liability", they all guarantors can be held accountable for the full extent of the debt, not just their portion.

@Jeff Krus hopefully you ended up looking into jointing some type of mentorship or got into investing. 

I'm not sure if you're American but if you are and you file US taxes jointly then you'll still owe capital gains in the US.

(This person genuinely is trying to get over on me with the “I’ll have it tomorrow, I’ll have it next week” bs).

Do you do wraps, subj-2, lease w/option to purchase, CFD, Owner Fin, SDIRA, Owner financed 2d mortgages, Joint Venture the deal where you bring some capital and maybe help with repairs and sell and do splitsies, ....  

It's $500k for a joint couple, $250k for single, on the gains.

It's a small world mate lol1) Got it and I usually have no issues opening the books as I mentioned, nothing to hide but not many have a genuine approach when asking for such and as you me mention, could use it to their advantage for all sorts of things.2) You and I spoke about this in person and have someone working on this in our office.

And also, pricing at 7% with that low of a FICO is highly unlikely, unless I am missing something here@Robin Simon I'm not familiar with the quote but confirming our minimum FICO currently is 640 however if there is a partnership (multiple full joint and several recourse guarantors) we currently take the higher of the two median FICOs if equal ownership % Also - 7.625% is certainly in our ballpark currently - doesn't seem unreasonable with our rates right now! 

I would love to know what you think about the area and if you are interested in wholesaling or joint venturing with us.