I tried to reply individually but I guess it thinks you're a bot when you post too frequently in a short time period so I got locked out of my account lol

Overland Park, KS vs Kansas City, MO) Very landlord friendly, worst case eviction is usually 8 weeks + $500 + lost rent (cannot comment on individual cases and this is not legal advice) Large diverse metro area - variety of jobs, companies, people can have a career in KC.

There's a lot of people right now that don't qualify as you have pointed out so we will cut deals for longer lease terms for those individuals that do qualify. 

However, nothing prevents two parties from owning % of that lot and living in each building (one in main and other in ADU), creating tenants in common.We may soon see the first individually financed (30 yr mortgage) ADU in LA this year and it will be very interesting.

The purpose of “asset protection” trusts is to place assets beyond the reach of creditors who have claims against the individual who has “settled” that trust.  

How often is an individual successfully sued for an amount that exceeds their insurance coverage?

Never to the lender or individual.

The seller isn’t an individual, it’s a company that engages in all sorts of real estate activities.

I'm also unfamiliar with that specific individual or the program costs or design.

Whether an individual consultant or a mentor through a program, mentors provide the foresight and support you eventually need because of their experience.