They could get a risk free return by investing in T-bills, so the delta between that RFR and what you're offering needs to be rewarding enough for them to pursue it.As for the 2nd part of your question, that really is a mystery :)The low interest rate environment always leads to these folks misleading people and mismatching deal operations, and sometimes even defaulting on the property and losing it altogether.Probably because a bunch of these syndicators want to be cool Instagram/TikTok influencers and throw up their arms and talk about how many doors they own, but what do I know lol. 

It would be ideal - throw in an Orlando property, so you can take the kids to Disney once a year :) Belize, Mexico, Costa Rica.

For some, simply holding the portfolio you own and paying down the debt satisfies their investment objectives but someone like yourself who is looking to scale can't achieve that at the pace you may necessarily want if your real estate is stagnant on appreciation unless you have additional sources of cash you can throw at new acquisitions.

However, if you move too fast you could get into the wrong property, or area, or not take into account certain expenses, or get a terrible tenant and you may say this real estate thing is a huge headache and not worth the hassle and you may not pursue it with as much vigor going forward, or worse throw in the towel altogether.

I'm a newbie to real estate investing, so little words are very much appreciated :)Big picture if it helps: I'm exploring an all in one so I can plop extra savings into it until I'm ready to purchase additional properties and then can pull the money from the all in one for a downpayment elsewhere and then will continue to throw money into the all in one from my main job as I save for additional downpayments.

I'll throw it out there as an option, knowing that no one is really going to take it.Your proposed transaction is low leverage, so very good terms should be available, but FDRs New Deal in the 1930s (which created the kid-friendly home loan ecosystem -- home loans commonly had 10 year balloon payments before that, even if you put 50% down) was only for homes, not for CRE.

If so an idea would to not take any money out and throw every bit of cash flow into a repair account.While it may be stressful short term will these places make money in near future.

I swear they just throw numbers out there and don't expect people to protest.  

Throw in a vanity and put up a mirror.

TIA.It may be more helpful to throw out a scenario like:Purchase Price:  500K20% down740 credit score6 months reserves 1:1 ratioQuote with and without a prepayment penalty and how long the prepayment penalty is.