Private sector payroll growth has plummeted in the past year.

It is very true, big, institutional money is investing in the student housing sector pretty aggressively and if you don't have a house within a city block of the UofA, you are actually seeing rent rates go down as they lose out to the newer, nicer condo style buildings that have been built. 

I am in the Birmingham AL market and looking into Huntsville but in the MF sector, its very competitive and expensive compared to Birmingham.

Lease it for 2-3 years, build the history and income, let the short sale fall off your credit.As for SBA, right now there a COVID relief package where they forgive the first 6 months of payments (8 months for parts of the hospitality sector) and waive their 3% fee. 

Anup, I would suggest looking into the multi-family sector.

Specific sector of REI is up to you.

Big changes are on the way that are bound to affect the student housing sector, hospitality (including AirBnB and VRBO), and the economic layout of downtown.Recently the University of Arizona president and board decided to no longer pursue increasing undergraduate enrollment by 20,000 over the next 5 years.

Currently, I work in the educational finance sector but want to expand my knowledge base into real estate and real estate investing. 

Dude the Fed Can NOT raise anymore otherwise all these lenders are going to bankrupt before us , the residential owner of 30 year mortgage LOL They're already tired with SVB and First Republic and the crash of Commercial sectors. 

@Solomon Rosenberg9/10 PPM’s that I review have their proforma based on the rosiest of situationsLow turnover rates, high absorption rates, low vacancy and of course premium rent prices based on low cost renovationsYou are going to start seeing a lot more pain in this sector the next 12-24 months