<prompt> Human: After I receive the funds they will be used as as loan to a mortgage investment fund. Because of my NJ address she will receive a 7 rate of return on the loan, vs the 5 that she would get in MA. I am being asked to sign papers that indicate that I am the lender. I would receive monthly dividends and pass them on to her.I have no idea what any of this is and Im trying to determine if there is a downside with regard to my taxes, liability etc. The investment fund manager is encouraging her to get me to do it, insisting that it would improve my financial standing, ability to get a loan etc. Can someone advise? I want to help my mom out but shes dragging me into a world I know nothing about.Many thanks for any help.Assistant: Just to better understand - she wants to loan 200,000 to a mortgage investment fund. That fund will provide money to people for mortgages, and she gets a return from her investment? And instead of taking 5 and doing it herself, she wants you to be the lender, so you can get 7?Human: I believe thats the situation, yes. I received a package of paperwork from said Mortgage Investment Fund, made out in my name, containing a W9, Promissory Note and Loan Agreement.  <response>: My response would be Absolutely not until I understand what exactly is being proposed, and all legal ramifications. Once I understand, then my answer changes to probably not. 