As a community I think we should focus on helping people who have had their housing situation negatively impacted recover as quickly as possible.

From this perspective, yes, I am still legally responsible.But how can both people be legally responsible for the same loan?

Are there any local meet ups or websites on where to find more people who have a moderate level of experience meaning they are  somewhat experienced but still looking to collaborate and network with more inexperienced investors like myself.

Wholly agree, we're trying to help people.

Like I have told many, there are several people who know how to make this work, and you are one of them. 

Three Months ago, low to mid 6's were available.Rates are going to continually fluctuate but if you have a way to earn 10+% on your capital, the TIME you are not using it is going to cost you way more than the extra .5% per year will.You are walking over dollars to save pennies if you are waiting for the perfect rate, half of the people who held out on getting mid 6's were waiting for high 5's.

This is a great place to learn and to connect with people so take advantage of all the great resources.

This just covers the basics: how many people, do they have pets, what is their timeline for moving?

But I also haven’t the time to wait because people are people.

When I come back maybe 2 or 3 years ago, I noticed a lot of people here on BP are talking about syndication too.