Probably not the answer you are looking for but I don't see why you should compound your risk given that you have $100K in student loans.

People who own a working dog breed, let alone a dog specifically bred for guard dog duty. as a companionship animal are mentally defective.My brother-in-law is an ex-Red Army officer who lives in a walled compound guarded by three military-bred Caucasian Ovcharkas.

The nice thing about appreciation, when combined with your mortgage, is it has a compounding effect as measured against equity.  200k property appreciating at 3% per year is 6k in first year, and up from there.  

I started with wholesaling just like you and now am flipping houses.Like most of you, I want to be financially stable, heck, just filthy rich so I can pursue my own evil robotic minion development to one day take over this rotten planet and  wreak havoc and make everyone bow in front of me.So I personally think the best way to do this is get money fast and often, and lots of it.

Global welfare just compounds the problem.

I only say that because it compounds internally without tax friction/renter friction/misc frictional cost?

They see daily compounding fees as excessive but having it in the contract puts some heat on the tenant to pay the rent on time if they have it.You have to be really careful about accepting partial rents as well.

Grab some joint compound and find a short sheetrock patching tutorial on YouTube.

My school of thought is this: if you can honestly stay consistent and take the excess money and invest in some vehicle that earns a greater return than the current cost of your interest rate, i would invest in the higher return, continue taking the profits and rolling it over (compounding it) and growing the excess cash and interest faster than it does by paying down your mortgage.

The point I was trying to make was the longer you hold on to a bad deal, and try to make it work in different ways, the worse you'll be compounding your issues.I had a flip that I overpriced because of my upgrades, sat on the market empty for 6 months.