From your experience is the 1.25% dscr easily attained in this area?

Even specifically, my goal is to attain financial freedom in 10 years by investing in Single Family Residences and small Multi Family Unit rentals.

Since you have "free" materials that certainly helps.You are working in a lower priced area so boosting the value by high %'s can be easily attainable.

F and peak around 100-105 in the afternoon so it's boiled down to either remove the heat faster or slow down and/or stop the heat penetration but stopping the heat penetration is NOT attainable in my opinion and good luck if you wanna try.

Only reason I ask is it’s alarming how two people can attain that much student loan debt and if it had anything to do with spending habits while in grad school.

For example you could move this money to the Springs and get a 4plex around $400-425k and get about $3400 in rent or you could move the rental to an area like Columbus that you mentioned and attain the 1% rule (rents of at least 1% of the price of the home). 

Hi, I am jumpstarting my REI journey with trying to attain my first investment property this year. 

Not necessarily a deal killer on a business acquisition loan where we have a reasonable expectation of repayment based on historical financials, a solid set of attainable projections, or maybe some kind of a secure guarantee (like an SBA loan). but with no collateral, and it's a line of credit so a bank has no idea what you'll spend it on.

You can also learn a ton this way too.As far as returns, I can speak from the syndication side and that it's attainable for a limited partner to achieve 8-10% CoC returns and 18-20% IRR over say a 5 year hold in a growth market, with a conservatively underwritten deal managed by an experienced team.  

You are sharing to those that, down the line, may find interest in attaining some of said returns vs. what returns they are getting in their traditional investments in the event you find a good deal.I am doing the same thing with my family as they learn my intentions to grow my business.