They all operate the same.Bucket 1 is the down payment Bucket 2 is the closing costs Bucket 3 is the escrow/prepaids for taxes and insurance The first bucket is your required minimum investment/“skin in the loan”.

There is nothing more irritating than when homes along a neighborhood show an inconsistent lack of uniform appearance. 

She also told me, "there's more than one way to skin a cat..."

It will make it appear like you have less skin in the game.

@John RoederIn today's lending world, NO Lender will give a loan without your skin it.

Based on the lender and your experience will determine how much skin you'll have to put in the game.

@Jon S. now you're talking into my good ear Jon... most HML's seem to have 10-20 % "skin in the game" requirements.  

Learned my lesson on that one by not making them put skin in the game!

I have to change rooms b/c those feel grimy to me and smell so bad I end up irritated during the whole stay.

Hi Daniel,I am not familiar with JWB Real Estate Capital, but from looking online, it seems that they are REIT.I am not sure what return on investment they offer, please reach out to them and find out, but do not look at IRR - it is a very confusing number and I do not recommend that for starting inventors.Here is something for you to compare with:Location: Outside of Fort Myers, FLType of Property - Duplex Year Build - 2023 (brand new) with 1 year builder's warrantySize - 2,400 +/- sq ft, 3 Bd, 2 Ba on each sidePrice  - $500,000 - $550,000Rent  - $2,400 /month per side (Gross operating income $57,600 annually)Leases: annual, residential, tenant is responsible for all utilities, yard maintenance.I am sure you can do the math from here and please compare to what JWB has to offer.These properties are hard to come by, but I was able to close on 4 of them in the past month and they are all rented currently.Message me if you have more questions and also to let me know what you find out about JWB - I am curious to know.