I called the Austin branch of  Consumer Protection Division of the AG's office and they said that they have no complaints about the company. 

https://www.floridabar.org/public/consumer/consumer004/

I have 200k in liquid cash (yes this was self earned thru 5yrs of sacrifices and hard work 12-16hr days 7days a week with maybe a month in the summers as break to see family back home, but i dont want to do this forever) My dad and I want to be partners going into these deals. there is a new construction 4plex i am looking to build which will be 775k that i will put 25% down (half me half my dad) which will cash flow net 2k /mo if i rent it out LT (COC of 11% which isnt bad and apparently my agent who recently worked on a neighboring new build said the appraisal after its built is mid/high 800s, also my plan is after 2yrs to REFI at lower rate). i am considering to have 2 of the units as MTR for local nurses or construction crews which of course can increase profits much more. i also have a 3acre property that i am thinking to build small 2bd 1ba cabins and use as STR/MTR/LTR. but i am also wanting to do do STR as i love the concept and have watched Robuilt everyday learning from him. i am looking to buy land in a mountain/ski town (189k 10acres) and build a beautiful aframe and use as a STR. all these property ideas are close by to me so i will have a close look on them and will manage myself. i have just been consuming knowledge endlessly the last 3months in preparation for this decision.but as you can see my head is all over and im unsure what the correct first step will be. i have many goals and visions of what i want to do i just need some help making a correct first decision on those who are far more experienced than me in this real estate space so i use my capital in the most efficient way. i understand real estate is long game and i have no issues with that but i would like to at a minimum cashflow 100k a month by the time im 30. this is a big goal but i have 8yrs to do this. thank you for your help i look forward to the responses(side note: i am not considering house hacking as i live with my family, this will possibly be an option in the future) 

Cold calling is time consuming but very effective.

Maybe in a chapter 11 you can restructure but that's not for consumer debt.

My caution to you is it is really time consuming and a fair amount of work.

With an expected increase in unemployment, and the significant increased and consumer goods and food, etc. more homeowners are continuing to struggle.

Everyday I consume and take notes on what I read and watch. 

Then by all means).ConsumersSo how are consumers feeling?

The software nerd 5 levels up is the one who does the bulk data entry saying "if it's 2-4 unit, here's this hit, and if it's cash out, here's the hit for that," and so on.If, at the Fannie Mae level, some hit goes away, but "Johnny consumer" does not notice it, and they can leave it in there, and take that extra profit, I'm sure you can see why they might have an incentive to do that.