There's only really two practical recovery scenarios: bring rates way back down or keep them high, let the destruction happen and try to reset to a new normal.

Though U.S. recovery efforts after Hurricane Maria were slower and stingier than the response to hurricanes in Florida and Texas, Puerto Rico has access to relatively extensive American disaster resources.

Hiring an attorney maybe is too costly to attempt any recovery.

We had no sports when I was there, I mean there was never a way you could call Alabama State athletics exciting. ha.If we wanted something it was either Talladega or Auburn.Glad to hear things are hopping there.

I know that's not your question, but your settlement plan is dragging out your credit score recovery. 

Recalling back to many of the nightmare stories guests have told on episodes of the podcast, you are certainly not alone and I believe you guys can make a successful recovery. wishing you and your father all the best.

But there are also cultural and or athletic organizations who  work with the youth.

Accelerated Cost Recovery Systems & Investment Tax Credit, section A & B.Prior to the Tax Reform Act Of 1986, high income earning professionals (doctors, lawyers, Sales professionals, and others) would invest in property to accelerate depreciation and lower their taxable W-2 income, to pay low to no taxes, while at the same time RE markets appreciate. 

You can't compare one phenomenal year in the stock market (34% won't happen every year, last year was a major recovery for the market) with average REI ROIs, you have to compare apples to apples.

We'll have to see though... both Lending Club and Prosper emerged during the economic recovery and there isn't good historical precedent for how they'll perform during harder times (unless you look at credit card paper, as you suggested).I use a service that automates loan selection, so it's a fully passive investment for me.