Similar to what Becca mentioned, if you can hold the home for long enough it will appreciate.

You also mentioned fundamentals.

You didn't do yourself any favors when you mentioned that the new car has all the bells and whistles but do whatever you feel is best as this is a personal decision. 

As the others mentioned above pay off the debt.

Others have already mentioned your options.

Not to mention the inital product costs to begin with.....and even though I had no labor install costs since I did it myself....it was still pretty costly.

@Alex CollinsAs mentioned by Jonathan Greene.If you're transitioning from nursing to full-time real estate investing, focus on house-hacking in high-demand areas like downtown Indianapolis, Carmel, or Greenwood, targeting short-term or mid-term rentals.

Actually, he never mentions passive income.

The DSCR scenario you mentioned doesn't seem too far off depending on the full scenario.

As you mentioned though, there is opportunity.