While this won't stop the Gen Y and Z crowd, I think it will make it harder for people to raise money, when a company with 30 yr track records are marketing right along side the guy with 2 yrs (for a similar type of deal).

People are more willing to compromise when they see you’re being fair.Know When to Get Legal Help: If she pushes back, don’t try to handle it alone.

Fines for unsolicited calls and texts run from $500 to $1,500 PER CALL and there are a lot of attorneys out there looking for people like you to sue.  

I understand different people have different risk profiles.

They can also make sure that your case is scheduled promptly because again, they know people and know how to get things done within the judicial system, which can be confusing on a good day. 

,We discovered over the course of this discussion that more smaller extra payments produces less benefit than fewer, larger "chunks". 

That's what the commission is for...It does seem like their communication is top notch - I've spoken to a few people from REI and they seem to have a decent business model.

Interested to hear from both seasoned pros, and people who got into this area of investing recently.....

Dumb Debt also means that the owner takes on recourse debt and personally guarantees it instead of non-recourse debt or other people’s debt (OPD) or cross collateralizes it with highly appreciated assets with low debt to value ratios.

I've done this with my properties because I'm well known in my small town and don't want people to know what I own.LEGAL PROTECTION: By placing your assets in an LLC, you are legally separating them from your personal assets.