All help is appreciated and I feel really bad because my other tenants go to work and have children that go to school and they are not able to sleep properly because of the loud music. 

They are short term loans, usually 6-12 months, high rate, interest only payments. 

The interest rate is not special nor is the 20% down (80% LTV).  

Hosts can get involved by either donating a portion of rents from their payouts or they can offer housing at a discounted rate.

Rate is a function of price.

@Nathan Harden- agree about OH ....I went to school at Miami U and lived in columbus area for a few yrs  ...many friends that still live there ......I live in Seattle proper ( near  Magnusson Park ...also  own  2  properties in Mason County ......father in law lives on  close to 10 acres close to downtwon Medina so we will be dealing with  figuring out the  best thing to do with this  as he gets  older ( he is  83 now) ...stay in touch

HUD targets average rents for an area, so just like average school grades, this typically translates to Class C property rents.In our Metro Detroit market, the MAJORITY of the claims about getting higher than market rents can be traced to a Class D Neighborhood/Property. 

Interest rates don't help, but investors were also successful in the 80s and 90s with rates in this range. 

My two cents: get a job and HUSTLE right out of school and create some income and save up some capital.

If have investment property, we are looking for relatively updated units (we are ok doing some work ourselves), class C+/B tenants, with rents either close to market rate or that can be increased.