Do you have any projections for what will happen with the insurance market for this year, or is it even possible to project? 

You’ll pick up so much just by listening to people who’ve been through the highs and lows of the market.

I have been reading the online resources about getting started, searching the market, and even doing tours, but I am hesitant to jump in and buy a house as I have quite a large amount of student debt.

Is Phoenix a good market?

With average rents in Charlotte hovering around $1,800 to $2,000, that means an average agent fee of just $190—if the management company even pays the showing fee.I understand that this may vary by market, but in mine, I don’t see agents being incentivized to work with renters.

Bham is a great market.

.; and capital to pay for options, marketing, legal counsel, accounting, tax advise, etc.  

It’s important to ensure you’re comfortable with these risks and consult a financial advisor.If you choose to use a HELOC, consider traditional financing or private loans as alternatives if you prefer not to risk your home.As for your first rental, markets in the Midwest and Southeast offer great opportunities with turnkey properties that are tenant-ready and appreciating.

And I have had two potential opportunities "fall into my lap" that involve inherited properties that need major remodels to be able to compete in the MTR market. 

We hit the first shift of becoming a favorable buyers market.