This is a business, not some mob collection system.

They can also collect rent for you. 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

We also have a nextgen in our primary home that we rent and collect all rents for that to the same account as the rental.

. $10,000 has been collected by the lender and is in an “unapplied” status due to the short payments.

Just a point of fact Class action suits are a pipe dream at this level in almost all circumstances. there has to be money to collect.  

Then buy out my partners on my Costa Rica properties, and just host retreats in Costa Rica, visit my cabins, collect cash flow, and enjoy my wife and kids and travel around visiting friends in my awesome motorhome which I have not purchased yet. great goals.. mine is to buy a nice drift boat and flyfish all over the west and up into BC. trying to figure out do I buy a summer cabin say in Western Montana or Eastern Idado as a home base..

Brokers and attorneys often prioritize closing deals quickly to collect their fees and move on, which doesn’t always align with your goals.

Then they make a **** load of money on them, and still collect on loans  which they never make (plus interest). 

If you are able to buy a house where you are and have your friends as roommates I’m thinking you will be more likely to be able to collect rent.