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.

It can be a great tool for good or it can burn you and consume you.6.

Consumers want reliability and are creatures of habit.

If you are looking to by a forever home then you should not make any major financial muscle movements leading up to that.

Self Employment Taxes will consume 15% of your commissions.

3 reasons:1 - It quickly eliminates that debt completely2 - You've eliminated a monthly payment forever, which is the equivalent of buying a rental property but without the 3 T's...and, you reduce the amount of cash flow you need to pay your monthly bills.3 - The cash you were using for the monthly payments of debt you paid off you can now use to accelerate the payoff of the next in line of the "bad debts" you mentioned.You get the trifecta. 

In the name of 'asset protection', you will forever be subject to crappy commercial financing with short terms, balloons and adjustable rates.   

My background is mainly nonprofit advocacy background (environment, health, consumer protection, etc.).

I am curious to know if less than 20% DTI consumer debt prevents you from getting a loan.