Sorry for the reality but you have the typical situation for failure in this industry.

Face it, your chance of failure is greater without experience and skills, get with someone to gain these aspects and protect your investors.

I am a new investor and for me it was always negative thinking and the thought of massive failure.  

They're going up because repair/rebuild costs have skyrocketed and other inflationary factors, not to mention some recent big claims (Hurricane Ida / 2021 storms - think Texas power failures) and also a surge in death claims related to COVID. 

I am refering here to the way people seem to be percieving what is going on and what is factually happening Which is a bank enforcing a contract based on failure to perform.

This is not to denigrate Alan's course [it was an, interesting, read... ] but it was constructed pre-2008, before the SEC and many state regulators started becoming more viligant at monitoring the increasing number of real estate investors issuing securities [if you are raising capital from investors to invest in real estate....]Whichever course you elect to use, or not, or self-educate, seeking out an active attorney current on your state's and federal SEC law is ESSENTIAL, before you mail out any post cards inviting folks to luncheons or otherwise ADVERTISE for investors [as Alan's course advocated when I perused it].The red flag to state regulators is when ads appear, if the advertiser has not complied with the proper state registrations prior to soliciting investors through advertising, you've just created a HUGE target for yourself in most states.....On the other hand, a good attorney practicing in your state's PPM or private offering realm can protect you, and review your offering to investors....and save you some stiff penalties[you've probably heard of the one old school very successful investor, sort of the grand daddy in the private investors area, was actually shut down, for a comparatively MINOR failure to maintain proper paperwork, i.e. whether funds would be returned to investors after each project, or rolled over to the next project..., simple paperwork, had it been drafted correctly, and then proper records maintained]Best of luckBob

It seems you're ultimately responsible for people's failures.

. - thanks Ian- lots of information to digest between all of these posts, and as you say, there isn't necessarily one "right" way to look at finances- it has to do with each person's beliefs regarding money, risk tolerance, and overall financial education as well.It's also good to hear when things aren't going so well, because even though it's a bummer, it's part of any type of investing, and I think failures are great teaching tools, plus it keeps us humble and constantly seeking knowledge on our investing journey.Thanks for your feedback!

Steve Babiak... it's specifically a {phobic} fear of failure.

The failure rate is extremely high, not because of it being difficult but because people get started without the proper knowledge.