Are you serious? Any investment that promises a guaranteed 20% annual return should be assumed to be a scam. Nobody should take a mortgage that they can’t affor

Are you serious? Any investment that promises a guaranteed 20% annual return should be assumed to be a scam. Nobody should take a mortgage that they can’t afford to pay if the 20% magic interest vanishes. Real estate doesn’t just go up. The house value may be underwater when this financing scheme collapses and they’re forced to sell — and then their losses can easily be larger than the 200k they started with.