You will never run out of "no money"  That is the secret to real estate investingIf live a lot closer to Pittsburgh, I would invite you to my club, we cover this sort of stuff at every meeting.

If you want to put $240 aside for her "future" (in secret), well I am sure that she would appreciate that money when she, one day, gets married.  

I never found a cohesive secret to finding great tenants there, other than "older people" was maybe the closest, BUT it sounds like you have a good or great IT job going, while I applaud your wanting to jump out on your own, be your own boss, etc and say to keep thinking that way, I'd HIGHLY recommend saving up a lot more $$$ reserves first, unless maybe as @William Hochstedler mentioned above, your the 1 in a 1000 superman, but that's hard for anyone to predict for themselves. 

"Brian Tracy - 21 ways series", "Napoleon Hill - think and grow rich", "Dave Ramsey - Entreleadership / FPU", "Earl Nightingale - Strangest secret / Lead the field".

The use of trusts is one of those great, little-known secrets.  

The paid for programs do not provide any secret information that experienced investors do not know already.

Those guys are probably better folks to have relations with than these folks who subscribe to secret knowledge and club type atmospheres.  

This business is addictive, you'll be thinking of this real estate all the time, you'll read, listen to real estate smarties attempting to impress and entice you with short cuts to riches........charges will mount up on your plastic, you'll spend lots of the money you can't afford on motel Smarties* who want to sell you the next big secret of getting rich.

Its a secret hehe :)

They sometimes have top brands as returns under the counter at rock bottom clearance prices (inside secret:)) Yes, go with a soft grey as it's more neutral, opens  up the space and it's not the regular boring beige.Quartz is harder than granite,  however Quartz can burn if a  hot pot is left on it too long:)Countertops: request quotes on granite, quartz and laminate, before making a final decision.If you have more questions, let me know.MB