People that have this trend tend to not get back on track and will continue the move towards later rent or just doing this till they cannot afford it (not pay, or move out abruptly).

Its not a painful process at least, but it does need to be done. 

A lot of American cities are feeling that pain sharply.But here’s the reality on the ground in Kentucky:Our commercial market is splitting into two very different stories.On one side, yes—office vacancies in Louisville have climbed to around 23.4%, especially in the suburban corridors and older Class B/C buildings.

It's a huge pain tbh.Third, I wish more brokers actually had proper networks to take deals to.

One of my biggest pain-points starting out in New Construction that I sought up people to teach me the process... and like you, I was willing to volunteer my time.

Hello @Abigail Bennett,Welcome back to real estate investing, and congratulations on making the move to put your equity to work more efficiently.We’ve completed over ninety 1031 exchanges and have a few recommendations.

What's held me back before? 

I wish I could go back in time and have all of my loans with them.

What would you do if you were back in your early 20s but had 0 dollars to your name what are the steps to reach the level you are at now.

I would actually be willing to reduce the interest for higher value ... 3 year term Risk tolerance is ok - I do Hard Money Lending so I have felt some pain over the years LOL ..