The younger sister has no credit history or rental history due to her age.

Although we have not reached the goals that we set yet, we have definitely made more money than we have spent on the program. however, we also both came from successful backgrounds in other industries, so we have a history of learning and getting results elsewhere. 

I’m guessing she is short income and rental history?

With another 12-24 month to build up history, 3-5 years seems to be the "sweet spot".

It lets you select the type of home to include (i.e. house vs apartment), the radius and the # of months history to use.

If I know what the 'true' value is yet there is no one who wants to buy my token, there is no liquidity.Maybe, just maybe, more data about the materials, the performance over time and similar history, will have economic value.

He lost power and because he had no credit history (he's young and in college), they red flagged him and made him go through a whole process to get her power back. 

I'll bet if you run some searches on him in advance, you'll find a history of him doing people wrong, walking away from contractual obligations and failure to pay.

When you evaluate a performing note, pay special attention to the pay history.  

Therefore I do not have the minimum 2 year established business history which some loans that offer a low down payment may require.