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".

After graduating in 2015, we moved to Oahu, where she completed a one-year AEGD program.

But the programs you mentioned are designed for what you are after.

Confirm what the no point option would look like in terms of rate/payment as you would want to refinance out of this program eventually and into a conforming product. 2.

We started looking at coaching programs and some of these things just seem ridiculous at 20-40 grand, and some seem more like life coaching programs as opposed to real estate programs. we don't want to syndicate we really would just like to find someone that we can bounce deals / ideas off of and have them assist in underwriting and giving us a better sense of security that we are doing the right thing.

A buddy of mine in Phoenix added a fenced yard and bunk beds to his listings.. nothing fancy, just a few tweaks.. and he went from crickets to getting three calls in two weeks.Preferred Landlord Program: This program gets you priority placement, and while ALE charges a fee, it's worth it for visibility.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

Many S8 tenants are getting free rent money, yet don't take the time to understand the program and dump everything on their caseworkers and landlords!

Are you concerned that said Freedom of Speech would impact book/program sales?

Quote from @Mike Klarman: So, the Ground Up Programs are the hardest to get into.