@Kang-Li ChengI cannot comment on this specific company but we buy loans from similar companies (both performing and non performing) and I Can say the consistent component to these companies is they are horrible at underwriting and write loans to collect the points / fees but many of the loans we see we cannot believe they gave that person a loan.I am curious what types of returns they targeted as the invest in one asset model to me is very risky.

These cash flow-focused strategies should align with investment goals and be cautious about overspreading.Good luck!

But the best thing about it is that I own this amazing house with all brand new big components.

A sellers concession is a helpful component for some deals to come together.

There are a couple of key components. 

Indianapolis offers strong rental demand and more affordable entry points compared to California.I’d love to connect further to share insights and discuss potential opportunities that align with what you’re looking for.

Also make sure that your values align. 

Quote from @Rob Beeman: When I was flipping I noticed that the attraction was broken out in two categories:The woman wanted to see improvements in the kitchen, baths & closetsThe man wanted to see that it had a nice basement, garage & yardThe woman's desires seemed to add greater value than those on the man's list....and the woman's list always took precedence if the budget couldn't handle all of them.That's an interesting observation, and it definitely aligns with what I've seen in the market.

Hitting that 1.20 ratio would be tough in a lot of markets though....too many unknowns to guarantee anything, but it might be worth checking into futher if you can get the stars to align. 

It is good to hear that the changes are starting to show up to the point where you notice them, and it makes sense that we have to sit on the current trajectory for some time to reinforce to folks what the core values here are.We are aligning around the concept of “The Millionaire Next Door” as the type of person we speak to and we hope that you call out any content that strays too far from this message.