Then there you go.One thing I am looking to try to do but haven't done yet is buy something with zero down on seller finance, put the rehab on a 0% credit card, then refi the seller off in 12 months and pay back the card. 

Each former member is then free to either do a 1031 on their % interest or take the cash and pay the tax.The opposite manuever was more common until around 15 years ago. 

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

Example, a short pay history - non-redeeming factor, a 25% down payment, a redeeming factor to counter the short pay history.

I'd rather pay for a platform whose revenue comes from subscription fees because at least they are developing features and functionality for the "right reasons.I've never heard of Digb (what kind of name is that?). 

Not to mention, the right system will enable your tenants to pay rent online, have a tenant portal, and all the other features that both tenants and owners need this day and age. 

That way you have it available but aren't paying on it right away. 

And with brokerages now offering new agent programs where they will pay 100% of the expense to get licensed, there is literally no reason not to. 

Now, you need to figure out how to find deals and pay for them.

15% down with no STR experience - you're going to have to pay a price for that.