I'm not sure what the marijuana laws are where you're at, but here we have a lot of people that want to open medical marijuana dispensaries, but most landlords don't want to lease to them because it's such a grey area legally.

I am a medical doctor and a dad when not doing real estate.

I have been paying my other bills on time for years and have been keeping up on other recent medical bills. 

Young Doctor..

A private money lender is a private individual you know or have a relationship with such as a family member friend, business associate, dentist, doctor, etc and they are typically not licensed, they are not advertising or looking for you, you need to find them.

I will be working near the medical centers.

If it doesn't help you, then you're really just starting your investment career in tons of debt.I find, in most cases, a good mentor or investment group can provide so much more real world experience than many college courses can... so if you're going to spend the money, do it on a field that interests you... because you can be an investor AND be a doctor, lawyer, realtor, burger flipper, etc.

I would lock at pockets of properties near the schools, the medical center, airport, etc. 

Considering that the only group sued more than landlords is doctors, I'd say the benefits of asset protection far outweigh the savings you are looking at. 

Buy and hold, house flipping, wholesaling, small multi-family, lease options, land contracts, large multi-family, assisted living facilities, vacation rentals, corporate rentals, self storage, notes, mobile home parks, medical office buildings, turn key rentals, etc.Is your head spinning yet?