His recommendation was to not participate in subject to as an agent.

So again, to be a passive participant is hard for all the reasons you note and more.  

Costs are too high and I'm into this for over 100K.I have feelers out for someone who might accept my lot as participation for an equity agreement in a new build.

Mainly via students and separate room rentals.

They used that period of unemployment to skip paying student loans and then try to get some kind of program/hardship deferral or something aka "gaming the system".

My best student  crossed the 1 million mark in net worth and he is in his early 30s!

Sites such as biggerpockets.com have many syndicators that participate in the forums.

If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

Apartments, Student Housing, Self Storage, Commercial, etc.The SEC classifies a DST as a security so they must be purchased from a financial advisor.The costs very A LOT by financial advisor and DST Sponsor.

The whole ecosystem (and trades) is valued at hundreds of billions, but most participants bought in at well below 1/10000th of current prices.