I hear all these stories of people retiring less than 5 years into it; that would be great but not a deal breaker if it doesn't happen that way.

People talk about the best states to invest in daily.

Also, more people seem to be choosing trade schools over traditional colleges.

Most people switching from large companies like Evolve or Vacasa to my PM co are switching because of their reviews. 

I've seen where people add so many loan extensions with optional payment.Say 1k gives you a 1 or 2 year extension and this can be done 4 or so times.This agreement could be changed so many ways to make it work.You could offer a higher interest rate after 7 years to extend to 15 years.

Not the best sign when 2 people jumping in on the forums to vouch for them have no prior posts.

There is friendly cities to such, people flocking there because it's where people want to live.

I want to start a nonprofit eventually to help the poor in the USA & other countries, and I'm considering using my own money or receiving government funds instead of relying on donations from people unless they're just rich ****s.

A host with a lot of properties always needs people on call to put out fires, deliver random items etc so maybe you can help with that. 

Many people just ask the rates because that is the probably the only factor they know, so it's important educate them how several factors can also influence the rates.