You may have gained 'a lot of knowledge' but 4 projects is, in reality, nothing.

Her source of income was her ongoing reality show and she planned to use my property to do a lot of the filming.

No one is going to want to pay more, but costs go up and that's just a reality. 

However, the reality is, acting sooner rather than later may be the actual win if you’re ready to buy a home.According to Greg McBride, Chief Financial Analyst for Bankrate:“As vaccines become more widely available and a return to normal starts to come into view, we’ll see mortgage rates bounce off...

Looking for additional ideas that will make this deal a reality. 

My goal is to live for 'free' and ideally cash flow (which I know is really unlikely in the Bay).My worry list:- I couldn't cover PITI on my own for long, if it came down to it- Wildfire smoke beginning to be an ongoing reality in the Bay - COVID eviction challenges (in the case a tenant loses a job and can no longer pay)- Old house; potential major repairs coming down the pipes- Don't love the idea of three people working from home in the main house- Concerned about flight out of the Bay Area and potential impact on housing marketIf I say no to this opportunity, my plan would be to house-hack in Portland, OR with SFR rent by room or duplex. 

Its a big business and has infected all of social media including Facebook,  Linkdin  and BP  and of course connected Investors they really are prevalent on that site.Google Lendinghome  they have a nice matrix on how they lend money and the pricing structure  this would be a template for reality on pricing and experience.  

In the end, I think that the fear to make a move stops a lot of people and the fear of losing money stops even more people, and in all reality you will make a mistake and more than likely, many many mistakes. 

Your google terms are "investment contracts", "Howey test", "Reves test", and "Forman test".The economic realities determine whether it is a security. 

In theory, you could have 1 passive investor and be a syndication, in reality a single investor of any scale will likely want a JV structure.