To me is one big Ponzi/ Pyramid scheme.

BUt if you were putting down 25% doubt it will matter much in the grand scheme.

It's a Ponzi scheme for may of them.

Is the states are really cracking down on rent to own schemes.. 

There is no "get rich quick" scheme that will get you a 20X return in a short period of time. 

My question was really about the color schemes ...

That said, most people do not need any serious asset protection schemes. 

I renovate apartments for large REITS and everything is white and grey when it comes to color schemes.

You know how to get quick credit when you need it and I suspect we're all in the position of knowing some local people who have been in this business longer than us who are mostly in the business of quiet and quick private lending on the downlow these days.Of course, as @Jay Hinrichs points out, you had better be extremely conservative with your debt as well, understand that running cheap properties as a get-rich-quick scheme never works out for anyone but criminals.

Please take time to read the stories posted here and in the syndication thread of discontinued distributions, lack of updates, loss of principal, phony syndiators pleading guilty to Ponzi schemes, etc.