As @Charles Carillo said, you can make the most of that time, but most people just waste the 4-5 years and then end up doing something unrelated to their degree field anyway.Maybe look into a Trade School, like an electrical one....nice clean work that pays really well.

As for how it's gone missing... that's a whole mess.

I understand if funds are not available it is easy get blinded by what saves the most, but if multiple people are telling you that it is a bad idea mostly likely is because they have learned that most of the times or never, saving in the short-term doesn't payoff.

I have seem reviews of people that were happy that took it, but I have also seen the mugshots of him (lol) and all of the posts of him being a scammer, when people gave him money to invest.

Are people having hard time finding quality tenants ?

Other than the obvious more $$$, what am I missing?

When you need articles of incorporation or something more specific later, you can get an attorney to draw those up, but for most people on here, they are just trying to get it open and get an EIN.

Is there anything we are missing?

I primarily loan my own money in my area and to people I know who are other investors.

This is a great place to learn and to connect with people so take advantage of all the great resources.