SECU is easier to qualify for with lower scores, but comes with a 1% origination fee.

I usually receive a large bonus from work in late June so July 2025 is my target date to buy my first piece of property, although I realize opportunities may arise before then. 

Only gonna get easier from here.

the only way that would bother me is if it was a flip and it was going right back on the market then thats an issue.. if the property numbers still hit your target returns the 10k will be long forgotten 10 years from now when the property has been positive cash flow the whole time and has gone up 20 to 30% in value..

(Always remember that)I’d recommend diving into some BP forums, work with other agents (some of them, like my team have GREAT Off Market Opportunities) for distressed properties — there are also plenty of investors here who can offer insights and tips on improving offer terms, timing, and strategies.Remember that building a strong network of agents and wholesalers in your target market could be a GAME-CHANGER, helping you get ahead of deals before they even hit the market.Keep us updated on your journey!!

It would be nice to be able to search, for example, on properties where the mailing address differs from the property address or for properties tagged as non primary residences for targeted tired landlord marketing.

This is easier for someone who earns a fixed salary, no overtime, no complicated pay structures, not a business owner, etc.   

I am targeting college students.

Monetary inflation:The Federal Reserve (Fed) can increase the money supply by changing the target fed funds rate, buying Treasury securities or MBS (Mtg backed securities) to lower rates. increasing the money supply, which banks can then lend to consumers and businesses.Debt monetization.

As Jay mentioned, massive power requirement that will not get cheaper in time, and along with large water requirements for cooling the rack systems, so targeting locations that provides these necessities is key.