We also don't have a redemption bond, our mortgage company didn't require it and we didn't even know about it honestly when we bought the property back in 2022 (we've waited this long for mediation and a trial date). 

I agree with with Jordan that long-term your time is probably better spent focusing on residential sales especially with your goal to own multiple rental properties one day.

They will say I should have buckled down a bought property last year, or the year before that, or before that. 

It’s been a long time since anyone came to my meetup that saw it advertised on the BiggerPockets website.

Lastly, I knew we were close enough to get the meds and eds from Penn, CHOP, Drexel, etc. and that's mostly who we leased to.

This doesn't mean that you shouldn't be ambitious with your objectives, as long as you're realistic.I have years of experience with short-term rentals in Mexico but I'm not sure how useful that can be to you since I invest in beach markets where there is mass tourism and visitors rent for one or multiple weeks so it's fairly different.

And 1 of the co-signers has been late on his mortgage (2 times last year). 

Just last Tuesday I went to one hosted by Owen Schwaegerle where the speaker was the owner of NKT Commercial.

Even though i am 26, employed, have savings, and a stable job - too much protection is never a bad thing.However, i find it very sketchy and somewhat car salesman-like that all these companies keep spamming me with mail and warning me of "last notice or else i will never be able to protect my mortgage ever again."

Lastly, the price point is still very cheap here in the sense that you can still find investment deals that hit the 1% rule for 120-180k!