@Drew Sygit  yes thanks for that additional input - 

They are out to pray on those who sign up for their service during the trial period, so that they can process a payment on your credit card.

In my most recent deal with a partner, I bought the land (10k), he pays all costs, I build it, he's building it cash, I put my fee into the deal and that was given dollar for dollar value. it's all based on dollars. so 10k, 25k GC fee on this 720 sq ft affordable house we are doing, plus my realtor fee so my basis is 41k and his is the cash to build which is probably 80k. so I get equity of my percentage contribution. shouldn't be too tough and that's super fair in my opinion. we build at cost when we use a retainer based model and I'm not extending any credit to the borrower. 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

If your credit is strong, you will have flexibility to go up to 80% loan to value. 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Are you pursuing additional ones?  

Any additional insights would be greatly appreciated.  

Unfortunately, we ended up looking into the ADU on Deal #2 a bit further and found out that the ADU, carport and part of the addition to the main house were not permitted, so decided to walk away.

Their pitch is great, but I'm wondering if anyone can attest to the 50/50 split, did you feel the net profit was fair, were there any additional or increased fees tacked on at the end to take away from the net profit... and if you feel that the value you get from them is worth the investment?