They emailed me a Housing Solutions Table with an overview of all their programs. 

Not massive, just pointing out it might be smart to take the historically low free money from the governement while it's available.

Yet the federal government treated it like a financial crisis.

I receive monthly payments from a personal injury settlement, but because this does not count as income, I don’t believe I can get approved for a regular home loan program even though I have an excellent credit score and some cash for a down payment.

I also had good experiences with Section 8......Yes I know many people don't like the program.....but from my experience it can work out great.....there are far more vouchers out there then landlords willing to take them and it allowed me to cherry pick the best applicants and have a lot of stability and low turnover rates as a result of that.Don't hesitate to reach out if you'd like to go into a deeper conversation.

I’m with EXP, they are very good with new agents and offer mentor programs which are great.

Possible HUD funding (guaranteed government rent)Cons:1. 

Dealing with the city government sucks, the crime sucks, the courts suck - but the cashflow can be tremendous.

  $44,000 of this debt is federal and currently isn't subject to interest rates due to the government putting a hold on this.Without getting into the nitty gritty, I've got about $1000-$1500 per month of "extra money" (Mindy would hate me for saying that). 

She has not paid her rent since February 2021 but has been able to secure rental assistance through the program that the NJDCA offers.