@Alshan San the point is the rate of return on your investment is different.

While paying down debt, while boring, it's a guaranteed return.

In this case, we should get all the money back and return the houses to Morris Invest. 2)Clayton Morris play a role as the middle or agent, or the fact shows Clayton Morris acted as an agent.

While comparing investment opportunities an investor needs to assess risks associated and then expect a commensurate return.

Probably not, you'd likely be able to earn a better return on that money elsewhere.

If you have lower return targets than I do, then perhaps there are lots of properties that generates ok returns. 

Making approx 15% /year return. 

@Anthony Wright I would agree with David that a SFR rental on a vacant lot will not give you a great return on your investment.

Made the room look better and returned closet functionality back to the hallway.Removed walls to open up the living room, dining room and entry way.Added pantry to kitchen in order to add more functionality and make the room more square shaped. 

I would post an add on BP on what your looking for as there are a lot of note investors who sell one-off notes to investors that typically have higher returns than FCI notes especially on the performing side.