When you move all of your insurance under one insurer, they can also bid down your individual policies to help save you money.

Strictly from a private money lens: If you're open to a 2nd position private money loan against your STR's, it's possible.

With no experience, you will have a tough time finding deals, finding private equity, and finding financing.

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This has provided us the means to save ~$4-5k per month.

They will also save money on zero interest financing. $600 a month chances are they could rent it and make a profit and if it doesn’t go up as much as they were hoping they could simply give the house back to you in seven years.

Hard Money Loans: These are short-term loans from private lenders based on the property's value rather than your credit score.

I enjoy helping new investors and bigger pockets members find and use loopholes to save money.

If your student loans are only 3-5% interest, that's pretty good so I think it's okay to pay those off over time.It sounds like you're making good income with your current employer and there is room to grow, so I'd plan to stay with that job until you can pay your high interest loans off and save enough for a down payment for your first property.

I need to do some more research and potentially save some more money so I won't run into as many challenges.