I know I must seem like I'm moving too fast for my age but I don't want to be a person who goes to college, gets a degree, graduates, and then goes, "Well, now what?"

They flip the shingle 180 degrees and then nail it down.

Hi Whitney, Welcome to BP, you are correct that is my goal as well (quite my job that I have a higher ed degree to do).

This is dangerous to the degree that the personal loan negatively affects your credit and household debt to income ratio.

He is a freshman at a community college and is working on an Associates degree in Business. 

If you know you want to do real estate you might be better served with a business degree of some sort (finance) as you're going to get into lots of financial analysis to determine good deals vs. bad and more. 

Also graduated with a degree in accounting and finance and by graduated lost all confidence in the stock market.

That's OK I'm a degreed accountant and I don't do cost recovery and lifo is some kind of surgical procedure I think!

Unless the seller has just fumbled the ask price to the nth degree here (I mean it does happen, but this would be pretty severe), then I think you might be skipping right to the "V" in "ARV" and ignoring the "AR" part.

Obviously, 500 FICO Scores should command 50% down payments and 525 credit scores 45% down payments and 550 scores 40% down payments and 575 FICO Scores 35% down. 600 scores  30% down payments and I still have a low degree of confidence that we should ever give mortgages to people like this.I don't think it is wise to give loans to people that can't manage their finances very well.