I also spoke to Kenny Shaw, who heads Mid South Turnkey Homes.

I just shook my head and honestly lost respect for them.

Safeguard is trying to clean up the mess but it seems they are in over their heads. 

Don't look for lowest rate, look for lowest cost on fees as you will either refinance out of that loan or sell- the prepay will hit you on the back of the head like a cinderblock wall.

The email heading calls the business RAD Diversified Reits inc.

I think @Patrick Roberts hit the nail on its head.

He didn't apply, but you know she's a good mom and would only date a guy that's good for her kid and supportive of her goals, so you ignore the little nagging voice in the back of your head.

Answers to the other questions depend on a lot of factors, and the temperature of the market as we head into presumably tough times. 

I believe in putting in the work—1,000 hours of research, testing, and learning—before offering advice, and I’m excited to tap into the collective wisdom of this community to refine my approach.Here’s where my head is at: I’m considering strategies like short-term rentals (Airbnb) for higher cash flow, long-term rentals for steady income, or even creative options like house hacking or partnerships to stretch the funds further.

It's not to say I don't get sick and tired of stuff, but if it is worth it, I will continue to bang my head against the wall.