I am not a fan of excessive student loan debt  (think six figures with a degree in art history) but yours looks 1) manageable and at a reasonable level; 2) as stated above, it is very likely some of the lowest interest debt around; and 3) not sure it has been noted, but it is likely deductible, depending on your income level....so as the board says, the chance at appreciation, building equity, rent saving and more tax breaks as an owner occupant of a duplex, triplex or fourplex makes the investment win when you run the numbers over time.

Self-determination is a liberating, exciting, and scary situation.Some people just don't want that, and thats fine, life is full of choices.  

We have some pretty freaking liberal appraisers.

They are on cheap paper stock, crappy letterhead art and unregistered biz names. 

Saving money is a lost art in our culture.  

I want to be financially free to spend more time with my family, on my art/music, on being of service to others and on traveling the world.

It's a bit of science and art.

Zero art on the walls.

I came across the property in the report below, but eased up on a few of the expenses and was a little more liberal.

There is as much art as science here as well as the need for a crystal ball, especially if your flips are going to take longer than 6 months or thereabouts.