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I feel for you. Have you thought about buying a place in a regional area with a positive cash flow--not something that you need to renovate, but something that would pay itself off in a few years? Let the tenants pay it off for you. You could then sell it a few years down the track, hopefully...

Your 'scam alert' radar should be turning on. I don't know anything about those companies but I wouldn't touch it with a barge pole. This is not a 'joint venture'; this is taking advantage of people who don't know any better. They take 55 per cent of the profit? And all the risk? What risks...