(Please don't construe any contact info I provide as an "endorsement" or "recommendation.")Regarding the company your inquiring about, I've come across the following links - for whatever their worth (they may or may not be reliable):https://getoutofdebt.org/46215/saen-higgins-switch...https://getoutofdebt.org/36930/are-wealth-without-risk-informercials-an-extension-of-john-beck-tax-lien-systems-challenged-by-ftcIt's unfortunate that there is often an inverse relationship between (a) the amount of marketing an education/guru company does and (b) the actual value of the services provided.The initial sale made by such companies are really part of getting unsuspecting consumers into a sales funnel that leads to selling the consumer an education course for $10,000's.

We want him healthy and whole and productive.

@Jay HinrichsFamily is the cornerstone of a healthy and functioning civilization If you want to change the world, go home and love your familyGino

Lastly, it could be that the bank is going to portfolio your loan at below-market pricing because they want the entire banking relationship (deposits, transaction processing, consumer lending, etc) or simply want the risk (yield).Lots of local and regional banks have been retaining loans at really aggressive pricing recently as the current environment makes this favorable for them.

They seem to Be priced as though they will never get consumed by the ocean even though every year some are. 

Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

So often I see people with all this money and success, but their health is deteriorating.

Experience is one factor that some investors may require as a condition, but overall, you can get a DSCR loan with healthy credit and reserves. 

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.

I'm particularly passionate about Multi-Family investing.Outside of real estate, I enjoy golfing, motorcycle riding, and general healthy living.Excited to learn and connect with you all!