I don't think they are married, but refer to themselves as "partners", and appear to have been co-habitating prior and during grad school. 

My next step after posting this is to reach out to a few similar hosts for the style of property I am looking to invest in and see how well they do on a personal level.

But I get it if you can invest 500.00 U certainly cant buy whole notes or secured positions with such a small amount. becomes a personal decisions make 7.5% with risk of losing it all or buy T bills for about 5% with zero risk.. its up to the individual investors.

Find a group or person that can give you both education and mentoring. 

Now this number will change if the person pays off early, etc. 

It also takes a personal guarantee from the borrower.  

For my personal investment journey I have done flips, buy and hold, BRRR, and wholesale.

Would a handyman be the right person to show the apt?

Is this what you refer to “ discount points”?

Or any other company you can refer me to for 90 day late leads?