I'm also concerned about the real estate market as a whole.

Use the $11K for marketing instead of for a course which, at best, will be generic and will lead to the next course upsell. 

I’m currently operating in South Georgia market. 

So there payments are $200 - $400 dollars under market.

Hey @Dan WardWould love to give you some advice , those are my primary markets as an investor and agent helping others. 

Are you currently investing in your hometown or are you looking at out of state markets?

No issues and tenants are renewing.That indicates tenants were paying below market rates.If the market rate for a 2-bed/1-bath apartment is $1,000 without utilities included, then he should adjust his rate to $1,100 because it includes $100 in utility cost.

Real estate agents, property managers, and contractors who specialize in your target market can save you time and money in the long run.

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

I have been investing in the stock market for 5 years and I am now transitioning over to real estate after doing my research on real estate for the past two years.