<prompt> Human: I hired a man to do some contracting work for me awhile back and as we were chatting he didnt do the work himself, hes the owner and was just checking on the crew he mentioned thats hes a real estate investor. Nearly a year later, on a whim, I reached out to him to get some information about how to begin investing myself. He spent quite a bit of time speaking with me about what he does, and told me to contact him if I wanted to help to finance some of these projects in the future. Well, another year went by and I reached out again. In other words, he hasnt been actively pursuing my money, Im the one contacting him.Well, it turns out hes renovating a series of storage units and asked for 20,000, with a guaranteed return of 10 in 90 days. He said hed put it in writing. Ive never done anything like this before, what questions should I ask and is 10 fair? Id prefer 15, as 10 doesnt seem worth the risk at less than 1000month.Im not wealthy by any means, but I have this money, and a bit more, sitting in savings as an emergency fund so its essentially idle money for now.  <response>: Youd have to ask why hes willing to pay you even 10 for 90 days. Thats like a 46 APR. He should be able to get money for less than that, so if he wants to offer you those terms, find out why.You dont want to put your emergency fund into real estate speculation, which is what this is. 