Where I live in NYC is also close to schools and institutions, so rent is pretty stable, neither skyrocketed with other fancy neighborhoods nor nosediving when the economy took a hit in general.

I grabbed the Cherrywood & immediately installed them in one of my nicer rentals, I even had enough to dress out the basement laundry room.

Yes, deferring your payments will supposedly not show up on your credit report per the new law that was signed, but it shows your loan in forbearance, which is a fancy way of saying that you are in default.

If you live frugally for a few years you can get rid of your debt pile, easy to do in Wichita - rent is pretty affordable and if you manage to buy a house and aren't bougie - you can get decent ones for $50-100k in working class "clean safe neighborhoods -- you can even go out of town a ways and find something too - just wont be fancy but what does that matter if you're getting things back together and have a safe place to call home. 

I wish people cared about window dressings like I do!

Not even a fancy trailer either.

And they shall always treat me as the benevolent sovereign that I fancy myself."

You can always have a fancy New Mexico holding company on top of that, but you'll want something local to hold the property (which, by the way, will erode your anonymity since you need to put names down for a Texas LLC).

One overpriced complex that used to push their fancy gym and community eating areas and that appeared to rather have a vacancy than lower their rent seems to have actually lowered their rates a bit.

No need for fancy software and monthly fees.