And we certainly do have an issue with consumer debt.

With a little creativity, you can get around this with owner occupied consumer lists.

In my opinion doing a concrete slab is easier too (unless you are starting with a really un-level area) but neither is hard, just time consuming (if doing yourself).

Do your home work, research into investing is time consuming but necessary.

Attorney once, template forever more. 

Amazon is a perfect example; products with 5 star reviews don't even matter anymore unless there has been over 500 or 1,000 votes since the consumer knows it is easy to manipulate. 

I am investor in Amarillo with 28 properties, so far we received 100% of march and april rent, and it looks like most of may is solidI think this comes down the question of where consumers are spending their moneyMost are in a necessity mindset, ie rent, food, gas etcLandlords for sfr should be in  better shape than retail landlords etc

I work when I can as a freelance writer and editor/virtual assistant at the moment, but honestly being a SAHM to 5 is really time consuming.

Also, these Apartment complexes take WAY LONGER to sell, based on the days theystay on realtor.com, Trulia etc3) Even though it is more time consuming (lots of offering/loan/inspection/closing deals), wouldn't it be less risky/more liquid to buy 10 cash-generating single family units instead of buying one single 10-unit complex?

Not much of a point in quoting rates right now when they are going up and up, day after day after day after day -- quote accurate for the day and the consumer will feel bait-and-switched because they are still X days away from the seller signing the dotted line by which time rates will have continued to go up, or quote higher in anticipation of that and they will go with someone quoting lower.