How do you expect people to want to pay for the service if they are being banned almost instantly? 

Whatever it is you choose to do, you should do it the same way every time.I've seen landlords use credit scores alone as a deciding factor, saying 700+ is instant approval and below that could trigger a call for more applications.

I mean if you checked/changed the air filters and it/they were built up solid with dust and debris that could definitely aid in burning out a capacitor, but they do take time to burn out.

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@Dan BlaylockThis depends on the structure and whether it’s a partial or investing in another manner, it boils down to the counterparty and counterparty risk.I have seen in both situations where investors have been burned, and everytime it boiled down to who you were working with more than the actual note

This is something crypto came to be for, instant passage of "funds" from part to party, no float. 

What do you do if your house burns down or is destroyed in a storm, and you can't produce the deed? 

WLI as a strategy seems more aligned to high net worth individuals who already have $ to burn, already overfunded their Backdoor Roth IRAs, HSAs, and R/E investments versus the average investor that’s still working to reach $18k/year on matching 401k dollers.

Home Value 510KPurchase 400KHow can I leverage the instant equity instead of making a down payment?

There was no way I was going to buy 100 of these and take on 20 million of other peoples debt without clear cut back up plan that included instant paying of their mortgage while i worked it out..