Broker will say you get to decide if you want high risk tenant that is on you to which I typically say bring me another better tenant then if you want your full fee upfront when they open and start paying.  

If my medium-term rental sits for 2 weeks with no interest, it's too high.

Some highly speculative, some I believe where population will transition.

Continue to save your money in a high-yield savings account and maybe find a side hustle outside of your personal training.

The real estate/business lending space is HIGHLY regulated - the same regulations which aid you and protect you as a member of the LGBTQ community or ANY OTHER community also apply in the other direction and to all other consumers. 

The big thing for me is data quality. 

In this high interest market, any location here in tristate might not make sense.

@Bob Stevens it's no different than all the novice investors coming here and asking for rental applications, basics of how to screen an applicant, leases, etc.Pretty high percentage of posts are from newbies too lazy to do any work, but they expect experienced investors to spoonfeed them for FREE and high ROI.

@Rahul Gupta I highly recommend Minnesota Realty School, as that is who I chose for my licensing classes.

I've learned that managing rentals has a high degree of variability and operator's needs.