You had to have expected similar responses. and with loan rates, purchase prices and the economy, I couldn't imagine paying 25% to anyone unless they could guarantee some pretty high returns.

So, the family member is pocketing cash and guaranteeing a stable cost of living for themselves basically locking in their future at a time when values are high.

There is guarantee of course...but the Fed is strongly signaling it plans to lower. 

The app cannot guarantee a consumer is going to get this low rate.

. - 100% passive- Fixed Monthly Income- High Yields of 10-15% APY- Personal Guaranteed debt- Backed by Real Assets- Insured by Insurance companiesHere are some guidelines you should STICK BY:1.

And if it did happen, the lender will simply fix the "botched paperwork" and proceed, A lawsuit will cost your friend $25,000 plus paying the arrears on the loan with no guarantee of success.

Nowhere on their little video do they low ball people on notes plus 30 day money back guarantee..anytime anything is at a costs from 90 bucks to thousands.

I have looked through the Offering Circular and it states (contradictory to what they state on the website) that the notes "are not secured by any collateral and are not guaranteed...[]". 

Also, most loan assumptions are available only for government-insured/guaranteed loans (FHA, VA, etc.), so keep that in mind when shopping around.

So whatever you do you would be guaranteed to lose money.