<prompt> Human: A friend of mine contacted me this week looking for a personal loan. I dont have many details other than: its in northern NJ, my friend is a realtor, hes flipping houses with his uncle, hes looking for a total of 200k not necessarily all from me, and with a 10 return. I was hoping you guys could give me some guidance and possible questions to ask. I do have about 70k in savings, but Im not looking to tie it all up in one thing for years. Has anyone here ever given someone a personal loan like this before?  <response>: Interest rates are at historic lows, so money is very cheap right now. That hes resorting to personal loans and offering a 10-percent return suggests that this is not a very sound business plan. Stay away. 