This structure give you the ability to have a uniform Liability limit of $1M - $5M over all of your assets.

@Zane Zeigler I appreciate the kind words and the ability to bounce ideas off of you. 

I think basically the deal with ABQ is that there is very little growth and very little new inventory coming online, which means on the one hand you are protected from rising vacancy but on the other investment RE is expensive for what it is, as no new inventory comes online to push down prices. 

According to the article below "borrowers will receive favorable pricing in exchange for limiting rent growth on 80% of the units in the property and keeping them at levels considered workforce housing for the life of the loan."

For those in growth mode, how do you counter the cap rate concern?

It looks like growth has cooled a lot in the past year or so over there.

You might feel that they deserve some interest on the loan but you might not be able to deduct it.If you do not care about it's ability to make money or an increase in value over any time. 

I have less concern over fraudsters than I do simply for people's ability to execute during hardship and moral dilemmas.

We have already done a lot of research on pop increase , wage growth , job growth , % of renters , crime rate , etc. ( all from city-data, census , best-places , IRR).

Full account IRRs:Fundrise Growth: 10.9% | 13.5%Fundrise Income: 10.6% | 9.5%Rich Uncle NNN: 7.16% | 7.8%Rich Uncle Students: 4.2% | 4.2%Realty Mogul I: 6.0% | 6.3%Groundfloor: 5.6% | 6.4%As you can see Fundrise is outpacing the other options so far.This is mainly due to a good increase in NAV value (but this also means dropping yield).