I get infinite roi on my investments because I have no money of my own in it. As for mortgage fraud, I’d have to be the one committing it, unlike trusting others not to commit fraud, watch shows like American greed, probably half the shows are about real estate fraud because it’s so easy to do and there’s a lot of money to be made. Double digit returns are fairly common and easy to achieve right out of the gate. Why settle for the single digit returns do reits? I’ve got a system in place where I don’t do much actual work anymore..... have to ask, how much higher and over what period of time? As with the less chance of fraud - what about mortgage frauds versus frauds perpetuated by investing in REITS?