Student Debt or Real Estate Investing???

[Zachary Kucharek]

Hello All,

I have been plugging away at a large sum of student debt over 100k after attending Physical Therapy School for my Doctorate. I am working full time and paying over 2k a month to my student loans and have refinanced multiple times down to a 4.00% interest rate. I am really fired up about finances and want to get my student debt reduced as fast as possible. That being said I am even more intrigued by bigger pockets, and I want to start doing a house hacking strategy, to get me into real estate investing at the same time as reducing my living costs for rent with the proper deal. I am not yet looking for a house hack as I have been paying aggressively toward the student loan balance. I am wondering if it is a smart decision with this much student loans to begin investing in this manner. I also have a 6-8months of expenses emergency fund in a high yield savings account already. 

Will the bank even finance me for a mortgage for a house hacking property with this much student loan debt?

Is an FHA loan a good route to go? is it true can you refinance out of the PMI after 20% equity is reached? Because this would be a nice route if that is the case as I would not have to save as large of a down payment while also trying to attack my student debt. ( I have heard a lot about it being great on bigger pockets, but then also some haters of the FHA due to you starting out with such low equity. Yet I am looking for a long-term hold property that cash flows so from what I know that should not be as large of a concern?)

Thank you so much everyone!! 

I know that was a lot, would be happy with any feedback!

Zac