Debt or equity partnership will depend completely on the relationship between you the borrower and the lender, and the level of risk involved with the transaction.Debt partnership --  The lender loans you $120K, for 6 months, secured by the property, you make fixed monthly payments to the lender at 10% interest only, $1,000 per month. 

Personally, I do more notes than ownership of properties at this stage in the cycle but again that is partially preference.Also, if you are accredited you can do more passive investments of larger debt or equity deals. 

I was just the lucky winner to write them at the right time when they go sick of it, reached retirements, finally trying to consolidate debt, or facing the end of their life.It would be fairly hard for an agent to not be able to sell a property by not doing their job, truthfully they don't have much to do beyond showing it to clients. 

Not knowing your financial situation and did you want to carry debt or non.

The biggest detractor is limited control and timing of exit.Regarding your low debt position today, it puts you in an odd spot with DSTs that have either no debt or 50+% LTV. 

It was called debtors jail.  

-do you have a lot of other debt, or just the student loans?

There are some on the site that do believe in paying down debt, or paying off homes to gain more ability to cashflow and leverage more.

Hi @Jerry Shen - Welcome,As always on BP - you are getting some fantastic advice from posters (as well as a few fishing attempts- to be expected)Another option to consider is crowdfunding via a few of the top tier portals-  providing an easier way to diversify by  type (debt or equity), sector (MF, SFH, Apartments, retail, office, ground up developments etc),  amount and geographic location.

Another strong argument for inflation is that it helps debtors.