If you're still in college and working with an FHA loan, a duplex can be a solid option.

The land, however, may appreciate, which can offset this.If you’re in an area where affordable housing is in high demand, mobile home rentals can be an excellent option, especially since you already have the land.

@Jarret Jarvis, thank you for the excellent suggestions!

Good neighborhoods, excellent schools, and literally--where does the house I want sit in the actual neighborhood...I say does it look like a $650K house area when I'm done?

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

However based on these experiences still seem too risky versus just going after some of the options with RealCrowd that seem attractive and proven. 

In general, Cleveland is an excellent market to purchase rentals. 

When considering the city option, it's essential to look beyond real estate and also evaluate how it can enhance your personal life.I would be delighted to discuss the Kansas City market.

Since seller-paid fees usually cover their services, you get local expertise without additional expenses.Final ThoughtsLive where you like, but invest where you can achieve financial freedom.Out-of-state investing has proved to present excellent opportunities.

Okay, I think co-signing could potentially be an option in the future.