I have no credit debt and $12,000 of student loan debt I'm looking to pay off within the year.

You have to read a set pf plans to answer the questions, etc....And if/when you pass, you'll have at least 5 years of paying dues and losing money before you're any good.

Many of these platforms also send the same leads to multiple agents.Since most of these paid leads require work/follow-up anyway, have you thought about paying less $ for leads where there is significantly less competition?

I am looking for one that:- provides checkbooks, and - pays a decent interest rate.

We are hoping to retire to this home in 2-10 years and figured we'd buy why rates are cheap and let someone else pay the mortgage for awhile.

Due to covid, he stopped paying his share of the rent which is ok as I now have bigger problems to contend with.

No cash flow real estate investing can be frustrating to newbies... you are doing all the work, and not seeing any 'pay' for the effort except on paper where you property is worth more.  

No one wants to turn in pay stubs, taxes, etc. if they can avoid it.

It's not unusual to have tenants paying $800 pm what would be a $2000 plus market rate unit.TOPA in any of the jurisdictions that have it doesn't really concern me.

They have mixed reviews but apparently have a deal where they pay 20k in lender fees if they don’t close on time.