I've found the problem with prosecuting someone in the US at least, is first figuring out who has jurisdiction, next, getting them interested in prosecuting a white-collar crime, particularly when the ultimate victim is an insurance company whose business model is assuming risk, then finding the perpetrators, difficult since many times the one you can identify is a front for the main bad actors, add in the time, money and resources that need to be expended to get it in front of a jury who may find reasonable doubt and acquit and most insures I've worked for decide it is a business risk, pay the loss, see if there is an easy fix and move on.  

Is small multifamily house hacking a viable strategy in your market?

That model is seeing tremendous success in the Austin MSA currently and it circumvents STR restrictions.  

If the ROI is within your target range, then it's an indication, it might be a viable investment.

So, before everyone jumps in suggesting to find a partner, know that that is of course still a viable option ;)But in the meantime, while I'm analyzing deals without a partner, I'm usually assuming the financing approach of a conventional loan with 20% down.

Now that we're slowing down a bit, I’m just starting to get back into research-mode by listening BiggerPockets podcasts and dusting off some RE literature.

Personally stuck in paralysis mode but definitely interested in the area.

There HAS to be a viable way to turn delinquent payments over to collections and have some nice results in REI.  

Follow up processes and referral side is super dialed in but looking for something that agents look over as a mode of success.

I'm definitely in a try to pay down any floating rate debts ( variable mortgage, heloc, etc) as much as possible and wait and see mode.