What rent to own programs have you all seen or participated with?

I guess it would be kind of tough to take a complete loss.

If your investments are expected to create large enough losses, there’s a strong chance you can use them against a big portion — or even all — of your W-2 earnings.

They refuse to give investors the information they ask for such as who is the loan through, what kind of state it is in, and who are the GPs, LPs, profit and loss statements.

Does my wife's REP status allow me to deduct passive losses from the 2 rentals properties against our active income, or does the fact that she does not materially participate in managing the rentals prevent us from doing that?

Has anybody enrolled in the program? 

If one spouse qualifies for reps and materially participates in the rental activity, then all the rental activity should be eligible to write off any losses against active income to better help, can you describe how your mom is a real estate professional?

My PM is worth their weight in gold. 

They may have options that would provide coverage with conditions, maybe restricted water loss payouts, higher deductibles, or require water shut-off devices installed. 

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.