Question 2: if homes upside down on mortgage what are my options?

@James Tobin  yes FHA will be a very low downpayment option for you.

Quote from @Paige Seeley: @Jay Hurst even with 20% down, what non conventional options are you talking about? 

Platforms like Angi or a quick Google search can also help you find reliable options.

.: Some of you have reached out to me to see if we can connect on zoom or other means to pursue legal options.

Without being able to make money as an agent remotely, the only other viable option I see is just go back into cybersecurity with a W2, and invest on the side.

A good lender should be able to piece together a strategy with you, whether that's cross collateralizing or not, underwrite each option with conservative numbers. 

Now we are mostly scaling our business with larger communities but I've used many different creative finance strategies including seller finance, private lending, hard-money, collateral from other properties, and lease-options. 

Meet with financial advisers/wealth managers and see what other options other than real estate there are and how to best allocate / diversify. ie have you maxed out your TFSA?

Sec8 is the "Options Trading" of Investment Real Estate.