It’s pretty common for people to buy homes even if they have other debt, like student loans, as long as their debt-to-income ratio is in a good spot.

So basically wholesaling is really not the wave to go because it's nearly getting banned and there are ppl in the industry who try to **** you up because I have know clue what I'm doing?

If your 5th deal is good, you should be able to find funding outside the banking industry.

Ko Olina is a beautiful spot - and having a vacation home there for your family while focusing on capital appreciation is a smart move. 

I am only an aspiring investor, but I am a local resident of Niagara Falls, NY and I am hoping I can shed some light on your question about the winters:) I have worked in the tourism industry in the past, my husband still works in tourism.

Or the house construction industry in general where they build for $X and sell for $X+margin?

Though I would caution you on hard money lending until you understand the industry a bit better, that can be very rewarding but you have to be able to do your due diligence on deals because you're turning over your hard-earned money to an individuals project, often a flip. 

I'm starting to realize that investing is something I want to consider learning for long term as I spend more time in this industry.

I currently work as a Pipefitter (think plumbing but on industrial steroids).

Just to name a few: Borrower's Experience FICO Loan Amount Loan Type being sought: Perm (30 yr ams), Bridge (12-36mo I/O), Rehab (12-36mo I/O), Ground Up (12-60mo I/O) Property Type (1-4 unit, 5+ MF, Warehouse/industrial, Hospitality etc)If you have a specific deal in mind, then you can have a lender (or broker) look at it and give you a better idea.