Now since I have personally sat with well over 100 homeowners that were in foreclosure to discuss their situations and to acquire their property ( that was the mission after all) Folks get into this jam for all sorts of reasons its just the human condition and a basic issue of many Americans cant control their spending or budget their money.

As someone who's (legitimately) employed dozens of people, written SOPS's, payroll taxes et al, while investing on the side the most valuable lessons I've learned is human nature.I recall a quote by VG Jason, once you've hit basic accreditation...wealth preservation becomes a high priority (paraphrased)I've learned, the hard way, as James noted, that no one cares about my $ like I do.

My humble advice to anyone attempting to do creative finance is:Creative finance is for experienced investors who have access to capital if anything goes wrong.Learn the lawsDon't use a contract "off the internet", laws vary by state and are also regulated on a federal levelLearn the financing techniques correctlyDon’t skip parts of the processDon’t ever do a “kitchen table” closingUse the proper deedAn attorney can help you with the legal work, but the rest you are on your ownYour guru will not bail you out“Investing” in someone else’s deal by providing a small 2nd loan so the “investor” can pay for “cash to the seller” and for “closing costs” so he can do the deal is a very bad planKnow what problems can ariseLearn the responses and solutions to problems before they are neededKnow everything there is to know about Title and what that meansKnow who a "protected class" individual isLearn the "back doors"Learn human natureUnderstand timelinesUnderstand regulation enforcement (some of these "mistakes" have a 10 year statue of limitations ( they can charge you 10 years AFTER you do the transaction) and carry hefty fines and possible imprisonmentThe court doesn't accept "I didn't know" for an answer"Know that the source of the lead plays a serious role in some states and federallyKnow how much of a "profit" pushes the boundaries to invite an investigationYou can be sued by the seller if you don’t do things correctlyYou are automatically at fault if an investigator or attorney or regulator gets involved.

There are definitely people out there that will treat others poorly no matter how nice you are to them, but it has been my experience that the vast majority of humans are good people and have good intentions. 

I’ve found the sweet spot is using AI to generate and test ideas faster, then still stepping in as the human filter.For deal analysis, AI is powerful at surfacing patterns across counties or asset classes that would take a human hours (or days).

It’s less about replacing judgment and more about focusing judgment where it matters.Richard’s point about photos and overpromising also resonates — I think we’re still a long way from AI reliably catching every detail in property photos, and that’s where human eyes will always be indispensable.

@Lateefah Mathews  Every human living in a house is an added drain on the septic system .

Learn the lawsDon't use a contract "off the internet", laws vary by state and are also regulated on a federal level Learn the financing techniques correctlyDon’t skip parts of the processDon’t ever do a “kitchen table” closingUse the proper deedAn attorney can help you with the legal work, but the rest you are on your ownYour guru will not bail you out“Investing” in someone else’s deal by providing a small 2nd loan so the “investor” can pay for “cash to the seller” and for “closing costs” so he can do the deal is a very bad planKnow what problems can ariseLearn the responses and solutions to problems before they are needed Know everything there is to know about Title and what that meansKnow who a "protected class" individual isLearn the "back doors"Learn human natureUnderstand timelinesUnderstand regulation enforcement (some of these "mistakes" have a 10 year statue of limitations ( they can charge you 10 years AFTER you do the transaction) and carry hefty fines and possible imprisonmentThe court doesn't accept "I didn't know" for an answer"Know that the source of the lead plays a serious role in some states and federallyKnow how much of a "profit" pushes the boundaries to invite an investigationYou can be sued by the seller if you don’t do things correctlyYou are automatically at fault if an investigator or attorney or regulator gets involved.

Quote from @AJ Wong: POV: Human Beings aren't being replaced - especially smart ones.

While your fellow humans are telling you a reality that you don't want to hear, so you're deflecting, trying to make out that we don't like your AI friend.I'm sorry to tell you this but you have a much bigger problem than being a new investor who's relying too much on AI for analysis.