There really is no right answer in my opinion.

Daniel, I have a personal opinion that the better use of retirement funds is investing in notes and trust deeds as opposed to holding property.

There are probably hundreds of threads here on BP discussing this topic, and opinions vary, of course.

While I don't know the company or the owner but I do know my opinion, I think this company and it's plan to purchase discounted jumbo loans with equity to turn them into bridge loans and force a borrower to refinance in the short term is a horrible operational idea as it is almost impossible to gain any economy of scale.

There may be better methods, but that's what I do, If I want to take it further I will call a Realtor, If I dont plan on buying through or listing with them, I offer to pay them for a cma, or opinion of value.

We usually have our brokers opinion, and maybe a willing BP investor walk the outside of the property and neighborhood.

Just my opinion.

I respect the opinion of those with experience in the field.

If the wife comes in with a 10% interest and the husband comes in with a 17% will the lender feel that this is just a way to skirt their policy, or will this be acceptable in your opinion.

Holding on to the HOA lien to enforce as a lien would be a more logical attempt to recover any invested dollars in my opinion.