Meanwhile, bank money market paying 7.5%. 

Im thinking about paying the bank the 50lk that we owe and the taxes.

For example it does not consider who pay the utilities, obviously if the LL pays all the utilities, the net is lower. 

I personally dont do any of that.. every market / or most will have an active fix and flip sector or buy and hold sector the important thing to me is the operator full stop.. great operator will do well in any market and all the national data simply is noise at least at my level. ( loaning our own money and JV deals with our own money)  we dont broker or anything like that.

Or paying off my debt, while I provide them with a nice house to live in instead of an apartment. 

While I have not done a deal with them, their agreement requires a close timing that simply will not work with conventional lenders (usually 7 days or so).  

I simply went to Wells Fargo (Wachovia at the time) and asked for a trust account so I could hold deposits.

You are honestly way ahead of the pack already simply by being willing to start learning about this topic in your early 20s.

In return, they will be motivated to get a job and pay back every dime owed while lavishing you with praise.

@Kayla M. sadly as other have said, often out of state investors are paying more than is worth, and it can be tough to get back out of a deal.