If you can hustle, increase earnings, and pay off debts quickly, then that's evidence that you are fiscally disciplined and ready to invest and manage large amounts of money responsibly.Why are you making so little as a college graduate?

If you're mentally and financially prepared for that, you will be ok.If the rent range in your area is $1200-$1400, then run the numbers as if the property will always rent for $1200.If the property management fees in your area range from 6-8%, run the numbers at 8%.If you think repairs and maintenance will amount to $100 per month, set aside $150 per month.Having some disciplines like this will keep you sane and allow you to continue to scale instead of get burned.

I ended up joining EXP and have been extremely disciplined and organized ever since.

Assuming I can be disciplined around making a periodic lump-sum principal payment, would this still be a concern?

If you stay focused and disciplined you are going to be light years ahead of your peers in 10 years.I like that you have a very specific goal, but at your age and in this market you should really spend at least the next year just getting educated and networking with the right people.Get to know real estate agents, contractors, architects, designers, lenders, and other investors in your area.

I have a third deal that we are looking at but have back burnered it to re-evaluate what we can sell it for to see if owner wants to still sell or not, but it would be a cash stretch for us so not racing toward it.Be disciplined on your numbers and I have been scoffing at the wholesalers that talk about holding appreciation for the last 6 months, this is why

With hustle, discipline, and some sacrifice you might be able to accumulate ~$25,000 - $30,000 in cash over the next 12-18 months and perhaps there may be opportunity to bump that income to $60-75K range.

Financial discipline!

It's actually a pretty cool loan and creates a rapid pay down of the loan- IF you are a financially disciplined person!  

As an investor you must discipline yourself to use credit wisely and care for it as if your life depends on it.