My biggest concern was having my brothers lose out on first time home buyer perks (low down payment) if they were to be on the mortgage.

And I'm making more money.So, I don't know if the profile pick makes a difference but I say let those that find you too quirky go work with someone that has no sense of humor. 100% agree bro.The folks who are too afraid to lose business and stay in the middle comfort zone all the time don't know just how much business they are actually missing out by playing it so safe.

Anyone interested in investing at this level should have liquid funds beyond this investment value, should be aware of potential losses, and be “okay” with the possibility of losing these invested funds.

OK I am losing hope here!

Even if you took him to court, you'd lose.

If you take the time to gain clarity on those items, you should get a pretty good handle on what your experience is going to be like.The purpose of investing passively is to leverage the sponsor's time, expertise, and ability to source great deals, but if the experience is going to cause you to lose sleep at night, any return you might make simply will not be worth it.All the best,Jack

@Dave Spooner I think people may be leaving the Northeast for a few reasons:Harsh winters, since temperatures and snow can be intense in the region.Job availability is another factor since many companies are avoiding the region.The Northeast is also home to many cities with a high cost of living, making housing affordability challenging, especially as people lose their jobs.

Not only will you gain instant access to many thousands of dollars, but if you use the HELOC as your checking account you'll also pay off your house in a few short years, not decades later.HELOCs cost you less than REFIs.HELOCs charge interest on used balance; REFIs charge interest on every dollar you have access to.HELOCs can replace emergency savings, meaning, you can keep that 15k as interest-sheltering equity in the HELOC.You can't lose with a HELOC.

You will also lose any appreciation that the house will create in the future while the tenants pay down the mortgage and inflation hits.

Because the lender isn't a priority lienholder, it will lose its interest in the property if either of these things occur.