@Mitchel Johnson Welcome to BP and I wish you the best in investing..Usually people start by going to local meetups and building a network of trusted people to get their feet wetHere is an examplehttps://www.meetup.com/find/?

ThanksDan there are people who do "Gator" lending which is a guru course taught about this type of lending.

What have any of these people done since the high rates?

Thankfully I have no property in NY.I loved this quote which shows just how clueless people are about housing issues:“Housing instability is at the root of so many problems facing our city, such as exacerbating homelessness and hunger, failing to meet our children’s educational needs, and undermining public safety,” said the CWTU in a statement.

Many people / and or agents really cant do simple math.

Some people make 4x the rent but squander their income on eating out, drinking, car payments, etc.

most people don't know and this might get me in trouble. 

I strongly recommend against people buying real estate with zero money.

Total number of people that would occupy the apartment5.)

If you google anything regarding mortgage rates or refinancing, you only see lending tree and rocket mortgage or some brokers that will send your information to 1000 people.