To me anyone promoting a 36% return I would question and want to understand the risk.

I use airbnb and vrbo to promote my MTRs.

This leaves friends/relatives wanting to help you out (emotional based investing) or people unsophisticated and naive (likely disciples of a currently heavily promoted guru).When I, or any other investors (with significant capital) I know of invest, either equity or debt), we only consider deals where (1) the “sponsor”, or borrower have a significant investment of their own capital, unless they’ve owned the property many years.  

I restore old muscle cars. 

Hey @Rene Bee Not trying to promote anything, I always suggest to people to install a Smart Home System (ADT,Vivint,Simplisafe) instead of DIY.

This risk is particularly concerning during economic downturns or personal financial hardships.In summary, while whole life insurance can provide certain benefits, it is crucial to consider the costs, limitations, and long-term implications before using it as a funding source for real estate investments.To be clear, I don't fault @Brandon Beaudoin for promoting products like this. 

I received a promotional email from Anchor Loans.

Calvin  Adam is a sales rep for BP this is his job to promote BP services

You'll never do as well putting your money into an investment promoter as you will actually owning properties.

I get a note about self-promotion.