There will always be things outside your control that can derail any business (health, relationships, politics, natural disaster, etc).More important is to find a good mentor that will teach you how to develop leads.

My parents have decided to let me live with them for the foreseeable future since they're having health issues (nothing serious or expensive) so they've given me a time limit of 5 years.

We haven't quite got enough for accredited investor status, so syndications are (largely) out, though the short-term goal would to establish net worth at $1M (and maximize cash flow, naturally).

Conserve (a collection agency used by my University) - Amount owed $0 status reads 'Paid Collection' My credit score should be at a 640 (fico) with my debt paid down from 60% to 18%, but I want to be at a higher score so I can get better rates.

With states that are getting more stringent with the independent contractor status, how can I do that?

Check with your lawyer as this will vary state by state and I have not worked in NY yet, as well as current status of evictions with Covid.  

There is a huge demand for C-class affordable housing, and anything that stands out gets snapped up quickly.I typically have tenants generated from my health-care leads on a waiting list for SFR rehabs and I don't rely on advertising to place people.

I read that unemployment can be protected if that is due to a health issue.

Communication has deteriorated.One of the subs got COVID and everyone abandoned the project for 2 weeks and got busy elsewhere and it was hell getting them back. 10 week project is on 12 weeks and only half done.Other GC's have other health issues or can't keep up with work.

This prohibition does not apply to a landlord, property owner, or property manager who demonstrates by a preponderance of the evidence to a court that the resident was offered, and refused or failed to comply with, a re-payment plan that was reasonable based on the individual financial, health, and other circumstances of that resident; failure to provide a reasonable repayment plan shall be a defense to any lawsuit or other attempts to collect.