However, I agree with most of you that half the time was spent on pitching their $40k program is the way to financial freedom and your only choice to attain your goal etc.

Some traditional buy and hold RE investors have transitioned to flipping.  

Short-term rentals in tourist-heavy areas can also outperform traditional rentals.

I have a little bit of a choice personal problem.

For example, hotels or short-term rental properties like Airbnb often generate more income than traditional apartments, especially if the location supports it.Entitlements and Approvals: Check whether your project fits within the land’s current zoning (by-right uses) or if it will require variances or rezoning.

I am trying to decide whether or not I should go through a traditional bank (JPM), a morgage broker, or try and find a credit union.

Either choice you make will be a good one.

Hi, it is your choice.

I know which one I would take out of those two choices.  

was it poor choice of notes.. or do you think it was straight up stealing money from their investors ?