The people that work there are awesome. 

glad to confirm that I am not alone, thank you for sharing, I will look into what they are doing, to be more specific, I have been thinking tipis on decks, and 20-40' behind that, essentially a small studio apartment, with a full bathroom and kitchen, maybe a pullout sofa (in case weather events drive people out of the Tipi, that could potentially rent as a studio during the winter/not tent season too). or perhaps all tipis have a common area with kitchen and coffee station, maybe hottup... lots of possibilities.

I always find it interesting how people start and what they learn from their first deal.

(Many people just assume it'll be fully tax-free because they lived in it somewhere)

Speaking from personal experience.Fine to say it’s not your personal cup of tea, but no need to scare people off with talk of serial killers.

Sometimes people have enough income, BUT they have an outsized amount of debt!

What markets are people targeting in Northern California? 

It’s all about surrounding yourself with like-minded people who have the same goals, and you’re definitely in the right place with BP for that.

Best,Sebastian While i typically say when lending ROI should not be used and IRR is, ROI if its 12 month loans can work as well since most people do not reinvest immediately the monthly interest payments and IRR is based on the reinvestment rate.

I was wondering how long that reply was going to take!?