It is published by the MN attorneys general https://www.ag.state.mn.us/Consumer/Handbooks/LT/default.asp Only hire an attorney if it gets nasty.

Currently I own a 4 plex but have a full time job consuming too much of my time. 

You'd still have to compete against other owner occupants but there would probably be a lot fewer of those.The owner occupied offer period may just be for HUD properties, it's been a while since I've looked into it, but it may also be other banks.

In hot markets I buy fewer properties because I find fewer properties that meet my requirements. 

At least not without a lot of expense and time-consuming jumping around between sites. 

While sellers may be able to ask more for their homes, they're likely to get fewer offers in total due to more buyers being priced out of the market," says Stech.

The short answer is that yes, certain categories of retail such as apparel, consumer electronics and department stores, which are vulnerable to eCommerce, have been hit harder than others.  

Step 1: move out of the north east if possible. 2. call up your student loan creditors and tell them you want to lower your payments considerably or you wont pay them. 3. do the same with all other forms of consumer debt4. get a side hustle preferably online and put all of your money into the debt.5. learn your lesson and don't do it again.

Time consuming, but free.

BUT, however attractive bankruptcy appears, it’s not an easy process, especially since the Bankruptcy Abuse Prevention and Consumer Prevention Act of 2005 passed.