If you are looking for consistent, stable returns you can buy performing loans that will return between 6-10%.

Regarding Uber, they were definitely less expensive in some markets but for a long time in major markets they certainly were not cheaper, they simply made it more convenient and added a level of consistently to a service very much operated by shady operators in many cases (least here in NYC).  

As far as traditional mortgage loans have it be conventional, FHA or VA there are three main things banks or brokers will look at. 1) Credit - your score, how many trade lines you have, how long you've had it established, your timely payment history, etc. 2) Income - what your income is, how long have you worked there, can you prove consistency (I.e.

simply put  homes that are bought in INdy for 10 to 20k are in the HOOD  plane and simple they are not B- they are D And maybe C -  this operation is new the owners are new to the space and many have gone down this path before them and they end up moving out of the asset class in this price range as their investors realize that this tenant base is anything but consistent in length of residence and quality of the home after a tenancy.

The mentorship program consists mostly of a series of weekly calls.  

I've consistently advocated for a win-win mentality and respect between landlord and tenant but that is different from having one party do better at the expense of the other.

Once you start something like this you can't stop it and you must be consistent with each tenant.

You then take this percent and multiply it by your gross income from the property.

Those “covered perils” usually consists of severe weather, natural disasters and vandalism.

With your business model I don't see how you could even expect a consistent rate of return.