Then make your own choice, for a few reasons:You know your own goals better than anyone elseYour goals are different from mineYou will have different opinions of deals and sponsors than meI am not 100% objective because I do sponsor deals in addition to investing passively.

He targeted a list of homeowners that met his specific criteria and he then sent them all personalized post cards explaining he was interested in buying property.

@Andrew Postell Thank for your reply and that makes perfect sense, but I already knowwhat you explained.

I explained to him that we were working on our first flip already and that I was looking to acquire more money for the budget in order to finish it to get it to Market.

If that's unclear, I can try to explain.

With your brother, get him to a good tax guy (many are on board here) that can also explain the long term advantages of paying something into social security, that would be more educational than a book he probably will not read. 

My wife and I are leapfrogging but doing it slightly different than explained above.

I reached out to the neighbor and politely explained this fact and told him if he wanted to get something in writing for the future to let me know.

You need a good CPA to explain the details to you.

You would have a hard time explaining that to a judge.