NC is a nice state to invest in if you can afford the entry points. 

I have a lot of personal experience with BRRRR—both from building my own rental portfolio here in Memphis, TN and from helping both local and out-of-state investors successfully scale their portfolios using this strategy.One of the biggest advantages I’ve been able to offer my clients is structuring deals with hard money lenders in a way that allows them to acquire properties with less than $10,000 out of pocket in most cases which results them in massive cash on cash returns!

What state are you in?  

I've done most of my investing out of state.

I am not able to take equity out of my condo because it is currently on the blacklist due to HOA fixing the roofing and a Fannie Mae rule stating, if more then 50% of the condos in that community are owned by investors, I may not be able to refi.

I would look up local meet ups on Meet Up or on Facebook and network with investors who invest locally as well as out of state.

They mentioned that the family member began debt consolidation 20 months ago, the way debt consolidation works the company lets it go into collections I am concerned that if the person files for bankruptcy.Even just one of 3 family member file a bankruptcy 7, can they stay 3 to 5 months without paying rent?

Wayne State University near me seems promising because it's been growing in numbers.

Do you know what the difference between wholesaling and agent representation is for the state you want to wholesale in?

If you haven't already, respond to the foreclosure suit, and also try to get into mediation if you can (many states offer this).