I am a realtor in NY and soon to be NJ, and have similar goals as you to eventually build a sizable multifamily portfolio.

Then eventually going more into cash flow and replace some working income.

I ammessaging here because the Bookstore tech support has been a complete waste of time.After many emails back and forth, numerous times, numerous days and weeks, with supportgiving me the same canned responses, I eventually gave up and asked for them tocancel my account and refund my money and they just ignored me.

Eventually I would like to specialize in exterior/interior painting, or framing. 

There are a lot of ups and downs, but if you maintain focus and surround yourself with amazing people, things will eventually work out.Now is the time to go all in on real estate, when everyone is predicting the sky is falling, and the deal flow has slowed.

Not a lot of people think this way, but if you're trying to eventually live like 99% of people can't, it should be hard. 

The prices were certainly higher than i would have thought for marginal neighborhoodsn ($200-$230k)  but i thought eventually it would work out.

I will use it to get another HELOC , pay it off in 5 yrs, then rinse repeat eventually part of funding my retirement income since i am 57 yrs old and had lost most financial security when my spouse divoced me.  

If you have enough money to buy 100 loans, it’s easier to answer—you’ll most likely see a default rate in the 3-5% range, with most defaults eventually fully cured.  

The companies you mention have been around for a while and have stood the test of time.They have stood the test of time in a niche called "turnkey real estate" that has always carried a stigma.So I think that speaks volumes of their quality 👍Nobody is perfect and those that work hard, will eventually make a mistake.As long as the mistake is an "honest mistake".And being a turnkey provider myself for 10+ years now I can sure say that some investors can be a true pain in the A$$ and it feels like they look for drama/issues intentionally instead of smooth sailing lolWith that said, I suggest doing your online research and reaching out to the one that tickles your fancy the most.And then go from there.Wishing you much success.