They can be a great tool to get started, especially for flips.

I don't disagree that it is a good tool for someone just starting.Now, should folks be using such tools in the first place?

I also don't want to show any type of distrust towards her as I feel that she is a valuable asset (if she is what she says she is). 

Excel is a necessary but highly inadequate tool to evaluate a property.

But a tool for quicker debt payoff...

You can stop, regroup, wait on your DSCR to improve....or you can keep going by using another tool in the old tool belt.

@Sebastian Nadal for background checks, I use stessa/rent prep that’s available to us through biggerpockets tools.

They must sign the form.The IRS offers an online tool that lets you check if the tax ID the contractor gave you matches the IRS records.

But leverage is a useful tool, just know when to use a hammer and when to use a screwdriver.Totally agree.

Provide transparency so neither party feels “tricked” into a deal.Offer tools like secondary markets for token holders to sell their income rights if they wish to exit.The aim is to facilitate fair, mutually beneficial agreements—not to worsen deals for either side.This idea is designed for specific types of property owners (long-term holders who need liquidity) and investors (those seeking passive real estate income without ownership complexities).There are risks, like any financial agreement, but with proper transparency, legal safeguards, and investor education, it can work as a niche alternative to traditional real estate investing.Would love to hear your thoughts on what else might need to be clarified or improved in such a proposal. sounds like you have already convinced yourself this is the next big thing, so let us know in a few years how it goes.