The question passively investors should be asking is if the person running the syndication is a “real estate guy” who is using social media, writing, public presence, etc. as part of a marketing program or is the person running the syndication a “marketing guy” (“influencer”, social media expert, marketer, salesman, pitchman) who has found real estate marketing to be profitable?  

So rick just run a note program asking what one pays for a lets say the note is ( 150K terms are 10% amortized over 30 due in 29) and you are the note buyer and you want to make 15% on your money per annum it will spit out the price to pay for said note.. . 

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

One such program is for 1-4 units.

Also, I have very little money to non, not great income and considering going FHA, etc with applying to local down payment assistance programs.

DSCR ratios and program guidelines can vary by lender as they set their own guidelines as a company.

Longterm debt on your part on cash flowing REI will be your best investment- US has to create $160T to refinance debt and Social programs devaluing your debt.Am I right?  

I don't think so, nothing against him, there's just too many programs out there.

I’m in the PAYE repayment program where your payment is based on your income.

Then refi into DSCR using appraisal market rent (I have program if cash flow is negative, not worried about that) and then after the DSCR loan closes, then they put up the walls to make it padsplit.