When the tenants moved out, he discovered they had utterly trashed the place and the cost to bring it back to market standard (and thereby get a more desirable tenant) was beyond him. 

Earned like 163 hours but never enough to graduate in a major. 

My desire is to create profit by commercial units or owning multifamily units in order to provide housing as well as generational wealth.

You have the freedom to choose which PPP you so desire.

Just about anyone can sign up for courses and become licensed and there will be plenty of real estate agents willing to drive buyers around and look at properties with the hope of earning a commission so good luck convincing a buyer to pay you hourly. 

Yishi Zuo, I understand your desire for collateral.

Increase earnings, reduce expenses, save, invest.

If property is priced right in a desirable location, there’s likely competition.

Then upon move-out I calculate interest earned and make any deductions for repairs.

Leaving places like El Paso and Amarillo as less desirable correct?