Then my wife went to a 3-day training herself and ended up signing up for the 40k course and an additional 25k coaching course.

At the current price, adding the additional lots would make them about $30,000 per lot, depending on the price of the additional utilities that need to be added. 

I charge fees that create additional income.

One of them is the addition of another aggregator, which solved one of my connections.

If your student loans are only 3-5% interest, that's pretty good so I think it's okay to pay those off over time.It sounds like you're making good income with your current employer and there is room to grow, so I'd plan to stay with that job until you can pay your high interest loans off and save enough for a down payment for your first property.

Ah yes, great addition!

Additionally, checking local listings on Zillow or Craigslist can help fine-tune the rental rates in that specific area.

Additionally, is it reasonable to request the current leases and what I believe is called the rent rider form (please correct me if that's not a real thing) prior to making an offer?

Maybe you could get your City Council members to contract with lead pipe replacement specialist contractors and just add it to your city taxes or something???

Also, make sure there aren't additional restrictions on the property condition, compared to a conventional loan.