If someone dramatically overpaid in the peak of 2022 and didn't sell in 2023 when rates were at their highest than the chances are they will be fine in the coming year.

And someone jumping into this as a complete newbie can expect that they have a decent chance of making some expensive newbie mistakes. 3) On the other hand, I feel one of the main advantages of passive investments (via syndication/crowdfunding) is that I can hire a manager who has years more experience than I can ever hope to obtain myself.

The worst thing is to pay for a service where you don't get a benefit.If you have STR's and actively manage them, then there is a good chance that you can treat the propreties as active instead of passive which will allow you to offset the losses with other forms of income such as wages, interest, dividends, gains, etc.

@BiggerPockets - any chance a mobile phone app is in the works?

There’s almost zero chance someone is doing it on purpose unless they are running the water even while trying to sleep.

- what are the chances you will get them sued?

You won't get a better chance. 

I very much regret giving them a chance.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

A lot of those loans were made to people who never had a chance to actually pay back the loan and that resulted in a lot of people losing their homes.