I feel like my math is not correct or I'm missing something otherwise, can someone explain why even thought the note has a yield of 9.5% is performing slightly better than a 6% stock market return?

Rates, closing costs, and points also play a huge role in making the right move and can save you extra.You also want to make sure you have multiple terms like ARM products, Interest Only, No Prepayment penalties, etc.If you want to talk REI feel free to reach out I enjoy helping when ever possible.  

I know there are plenty of paid rent collection services out there, but I have no interest in paying fees (whether myself or my tenants) to collect rent.

@Noah Bacon my sister was the one put down over 250K down payment for the house, I had been helping paying their mortgage for most of the time because my nephew has no money since he is still in school, just his name is on the loan and title.  

Forced appreciation: New paint job for the exterior of both units performed in 2024, Rents raised to market rents in 2024Pain points: Collection of the tenant portion on time has been an issue.

The idea is to replace them for a few bucks if they get damaged, but we have next to no issues with countertops.

it was a joke no need to meet in personI used to work in the City recently took a full time remote job so no more daily city trips for me I live on the jersey shore near Asbury park and sandy hook

There is no such thing as an insurance policy that guarantees a private loan.

@Steve SaylerNot an attorney but based on what you noted the answer would be no.

Creating a holding company, LLC, business cards, websites, and all this other nonsense is like buying an indoor basketball court so you can pursue your dream of playing in the NBA . . . before you even try a pickup game to see if you are any good or like the sport.Buy an investment property and learn how to manage it.