@Tia TerrenaEven Warren Buffet regrets that he didn't start investing earlier (he started at 11).  

You also want to make sure that market rents in the neighborhood are 3-4x higher than the median income, which tells you whether the median renter can rent the apartment you are buying without it being a financial strain on them - which leads to high delinquency and all the problems that come from it.In addition to Starbucks, big box stores are a good indicator that the neighborhood is a good one, since they do a massive amount of demographic research.  

I see the massive uncertainty causing unexpected side effects.

First meeting is free for DelREIA and GWHP($20 for buffet lunch) and then you can pay per meeting of get yearly membership.

I think one would do well by considering Warren Buffet's (greatest investor of all time) quote "Be Fearful when others are greedy and greedy when others are fearful".  

I would like to digest it to see the counter arguments for massive govt built and subsidized housing.  

If anybody could reliable time the market their net worth would make Warren Buffet look like a pauper.

So if you need money at certain due date and have no flexibility then this may not be for you.Biggest pro for me is I can determine how risky I want to be (based on loan grade) and don't need massive amounts of capital at any one time to invest and still get returns of 8%-13%.  

The deal would be about 700K, not massive by any stretch, but much bigger than anything we've done in the past. 

Everywhere I look retail is getting killed, there are massive vacancies currently.