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.
For there to be positive coverage, something positive has to happen... like that kid on tik tok who bought a $2mil house and paid for his mortgage with the 20% interest paid on his 200k DeFi stablecoin holding. Now that there was a heartwarming and positive story.