For me, I had failed to make payments on a few credit cards and student loans.

I would not take out student loans or try to keep them at a bare minimum by getting a job and work your way through college.    

Show up to your local lender's office with transcripts and something showing your job description/responsibilities/duties in-hand.In my area, we call this the "Tech Wizard Special" because the CompSci guys go from being starving college students to $250k/yr working for Google overnight, but often without a long-established credit history and only a few months on the job.

This is a college town, as well, with some 30,000 students attending the University of Kentucky and thousands more attending smaller schools.

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I am a college student trying to put some cash I have saved up into a rental property.  

I'm spending most of my time researching buy and hold strategies for SFRs and possibly student housing in the Athens area. 

Hey Charlie-I'm in the same boat- 2nd year student though.There are a few of Charlottesville investors on Bigger Pockets (not nearly as many as a real city, but a few).I'd recommend reaching out to Jim Klapmust, or going to the Charlottesville local real estate meetup.

if you have less than 1,000.00 under your name, and owe almost 100,000.00 in student debt, and have a terrible credit, and income is not stable... where do you start?

Let say I’m young and dumb and think it would be cool to target college students for my owner occupied duplex.