It is Vanguards total stock market index and consistently outperforms most ETF funds year over year. 

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

Was it via docusign or some other online signing platform? 

But my down payment 3 years ago is only 10% of the total price $42K.

That's the entire reason he was upset.Lori here on the other hand is trying to makebit seem like her situation was similar when it totally wasn't.

If you're more of a 'personal referral' person than a 'do research online' person, and this is local to you in Manhattan, KS, hit up one or two of the trades people in the "little apple all stars" BNI group.

Here is my system that I have shared on the forums previously:It all starts with online ads, within which are several pre-screening questions I request be answered in their response to my ad.

Can we DSCR out of this to get our money back out or will I need to sell it to get our $136k total investment out?

Oregon saw it that way as well.. many folks got cease and desist using guru on line training techniques this just formalizes the activity and levels the playing field and gives both buyers and sellers a mechanism to get out of deals and or have a regulator step in..

No.But you do see their website online, right?