Guest sent a picture of his friend who woke up with some kind of bite on her shoulder (not consistent with bed bugs on google images). 

If you go the syndication route, you will not have to worry about personally arranging financing as that will be on the General Partners shoulders, and you will gain the exposure to Multifamily that you are looking for.

It sounds like you have a very good head on your shoulders at the ripe old age of 21yrs old.

Usually I'm around looking over their shoulder while they are doing it. 

Which of the regulators should shoulder the most blame?

Spend the time it takes to get out of debt and you will feel a huge load off your shoulders.

However, there is a massive amount of delinquency out there and it is disproportionately being shouldered by small landlords who don't have the benefit of a well-qualified tenant base or legal and administrative capability to manage these moratoriums. this legislation hurts regular people who depend on this income and not the massive companies.  

I have a half sleeve shoulder to elbow and was considering making it into a full sleeve.

The right Realtor will take a load off your shoulders and will be a good resource when a closing goes sideways.  

Then again, having the burden lifted from my shoulders mentally allowed me to expand to doing the things I am doing today.It's all a very personal decision.