Getting this cleaned up now would push my credit score over 800+ and eliminate nearly $3k per month in revolving debt payments and bring me quite a bit of peace.

You’re already way ahead by getting started young—keep going!

I haven't thought as far ahead as looking at potential areas to buy property.

Kind of hard to tell them to match or I go to the other bank when they are getting messages from the seller and escrow daily that we need to close ASAP.I can't actually push it off for too long since I don't know when the second bank will close and we removed contingencies a month ago.Signed with the first lender and had to swallow the points.Learned some interesting lessons along the way.

In Detroit you see investors buying for 40-60k and investing 30-50k into the property ahead of placing a tenant. 

I wholeheartedly believe in the end you will come out ahead, but you must be prepared to weather potential storms with the strain of limited to no cash flow, which can be challenging. 

@Collin H. yes this is in a residential neighborhoodI will definitely try and push back to the city and see if they will honor their previous issuance of the permit without having to go down the path with the Board.If they say no we'll see what the Board says.

I would go ahead and buy his training, rather than ask questions here, if I was hyped up and looking to sign up with the program.  

The entry level point for STR's has risen to the $4-500k range with many now pushing $750-850-$1M+ and I would expect that to continue to increase.

Yes, I've heard this before and therefore, for the time being, if I get involved in any sub to deals, I'll keep them within the 200k limit (as I can pay this off if push comes to shove).However, I would still like to learn more about sub to, any guidance concerning reading materials would be greatly appreciated.