It is all about if it will helps the sale, in price or time it will sit on the market  which it ultimately comes down to money because of holding costs. 

Waste of money I think. 

I wonder what factors of the project really effects the amount of money and work it take to set it up.

Get an idea of how much extra money you have available to put into the business consistently. 

Financial freedom requires a passive income that meets three requirements:Your income outpaces inflation: Inflation continually erodes the purchasing power of a fixed amount of money.

How much money will you make following the methods you're suggesting?

-You don't need to make a certain amount of money to qualify!

It took them a couple weeks to process the money or whatever they do when they first get the money.

If you’ve never owned a rental before, I’d highly, highly, highly advise staring out much smaller than 13 million and 100 units, and frankly unless you have 13 million in cash no bank is going to lend someone with no experience 13 million dollars, I’d start with multi family in one of three places, a class Baltimore, canton, fells, Fed hill etc, Frederick or the eastern shore of Md all of those markets are somewhat affordable have good tenant mixes and a relatively safe, see how it goes, if you like it, than buy another 2-4 unit, than another maybe once you have 8-10 units if you still like it, still are making money than go for something bigger.

Think about it - everyone else is trying to make money.