Student debt usually come with a low interest rate, a rate you should should be able to beat with even a decent investment thereby making it more worthwhile to invest and just pay the minimum on your student loans.Of course, there's also a mental aspect to this.

First you need to determine the property's value.

Who in my city should I contact to determine if I can legally convert my property into transitional housing?

Regardless a consultation or meeting with a tax professional will provide a TON of value and information but if you're 6 - 12 months out from determining if you'll make these big moves then it might be a bit early.

This analysis will actually help you determine how much cash you need for your first deal which will guide your decision for a well paying facilities job.  

Unlike DSCR (Debt Service Coverage Ratio) loans for smaller multifamily (i.e. duplexes, fourplexes, etc.) that allow market rents (not actual rents) to help determine if the property covers the mortgage payment, commercial loans look at what is happening today.

Standard term lease for minimum required by HOA (usually 6 or 12 months) with a separate agreement that lease can be determined by tenant after certain amount of time. 

It took us 3 months to remove an illegal mentally disturbed tenant from an apartment who was sub-letting from one of the tenants. 

Anything that involves a licensed architect or engineer providing a stamp is going to cost something, because they will review the person's work to determine if they're willing to bear the liability for that, and that takes man-hours.My previous firms always flat-out refused to stamp someone else's drawings because they had no idea whether any of it was on the level.

Significant improvements excluded were homes that after the 2017 sale were torn down and built new, large renovations, additions added, extensive deferred maintenance addressed. 16 of the 152 homes were excluded leaving 136 to further analyze.Obviously there is some subjectivity in determining which homes had ‘significant improvements’.