Investors have the freedom to choose their own investment vehicles, such as stocks: Gold, Real Estate, Debt, stocks, bonds, ETF’s, and mutual funds, allowing them to tailor their portfolios to align with their risk tolerance and financial goals.Cost Savings: Self-directed investors often enjoy lower fees compared to managed accounts.

@Randy SmithExcellent approach and good work as a passive investor.In an often volatile world, diversification is a key to reducing risk.As a passive investor, we are presented numerous opportunities to invest in different areas, different asset classes, and with different operators.We can easily create a diversified portfolio that works for our unique risk tolerance profile.

For me, the liability of the swimming pool is a deal breaker, but you may have a different risk tolerance.

@Shannon Young- it’s all a matter of risk tolerance and capability.

What is your risk tolerance?

This is often mentioned because active investors are looking for this sort of product, and the reason there are not companies offering it is because of the amount of risk involved in doing this type of loan, especially in the current economic climate.I just want to explain from a lender's standpoint why this might be above a lender's risk tolerance, so you can possibly find another alternative. 

Since these are individuals, every single lender's requirements, rates, terms, types of deals they fund, min and max loan amounts, points (if any) and risk tolerances are completely different.

The high yield has a higher probability of performing poorly as measured against the low yield asset, and you are being compensated for that higher risk with the higher yield.You need to figure out what your risk tolerance is and deploy your capital based on that.

I really admire your putting up here & tolerating us critics, it shows great character & a willingness to learn & grow.

Whats the best way to approach this to ensure you are at least in a tolerable range when estimating the taxes for UW purposes.