Becoming an agent is choosing another profession if you want it to be.

Just because someone has been in a profession for a long time doesn't mean they're good.

I work full time at QuikTrip and am working towards earning a business degree as a full time student.

At least not if you have a good agent - and yes, I'm quite sure that like any profession, there are bad apples out there.I tell all of my buyers that I view my job as talking them OUT of every property we see. 

Coincidentally, my dad bought a commercial mixed use property in 1963 for $25K, by 1981 zoomed to $250K, and paid off by 1981, and he was swarmed by Carleton Sheets students to do a deal with him. 

It may also be a great asset protection tool for those in high-risk professions like doctors.

Fortunately, I've never had to take out student loans or apply for a credit card in the past; unfortunately, this leaves me in the position of having zero credit whatsoever, it's not bad, it's just that I don't have any at all.Is it possible to get any type of FHA loan without credit?

The other applicant (He) has unstable low income (x1.3 rent) with about $300,000 student loan ($2600 obligation per month).

Look at what local college students are paying because it might be worth it to go that route.

I'm a 28 year old PhD pharmacology student and I'm closing on my 3rd investment property next month.