No guarantees, but you are a good payer, rather than a debtor... 

Pay Student Loan Debt or InvestPay off student loan or purchase real estateEssentially in each of these texts, the advice is to get your Debt to Income Ratio (DTI) down by getting your debts under control.

This is income to the debtor as it is cancellation of debt.

@Brad Nelson I always do credit checks because sometimes an eviction might not show up on their background check, but if there is a debt or collection from an apartment complex, then that certainly tells me something.

When their payment terms triple, things are going to get roached out fast, off selling of personal assets to stabilize, pay-down, clear off debt, or face chapter 11.

Although personally I’d have more peace of mind knowing I made the financially optimal decision, regardless of whether that includes having debt or not.

So here is my question should I jump on the 6 house and have a ROI quicker but larger debt, or be like the turtle slow and steady......

Once I graduated and was fronted with the looming adulthood question whether to pursue college debt or a trade career, I did the natural thing.

Or you can give someone who does not put money into the deal some equity because they found the deal, or signed on the debt, or are going to run it, or whatever.  

Am I relying on price appreciation to be able to finance or refinance future debt or principally payments?