To determine whether an investment is worthwhile, one might consider the opportunity cost of putting money into a real estate investment instead throwing that money into the stock market for the same period of time that you’d be invested in the real-estate project.

However I find it hard to imagine they don't have significantly more than just yours to make it a worthwhile busniess  but if she's your agent maybe not.

So if you plan on holding the note it can be lucrative and worthwhile but if your end game is to sell the note your better off selling the house at a reduced price.Also if you carry the note make sure you use a licensed 3rd party servicer as many note investors shy away from notes which are self serviced

Yes, the example 5% I gave might not be enough to make it worthwhile. 

It may also make sense just to refinance into a conventional 30 yr if you have enough equity to make it worthwhile.

The people that you want advice from wont' give their time for free--so make it worthwhile to them.

It may be worthwhile to start your company for liability purposes.

But they (and a lawyer) needs to believe they can actually win enough money to make it worthwhile for both.

How much of those JVs are actually worthwhile from a business standpoint versus the veteran taking on a JV to "give back"? 

Also might be worth while to comb through the details of your credit reports to ensure there aren't any erroneous claims on there.