I do think partnering might be a good idea for you, especially if you're somewhat limited on capital.

Quote from @John Key: Quote from @Ray Hage: I had already thought dropping 5 figures into these "mastermind" programs was a bad idea and now, I think it is even worse based on what I read in this thread.

I want to start building our portfolio and would love some experienced help with direction.Over the past ten years, it seems like I've had numerous deals/ideas that just didn't come to fruition and I'm just feeling a bit defeated. 

If you think you can manage a mortgage, taxes, insurance and the upkeep of a home while paying your student loans then buying is not  bad idea but if you think you will overstretch yourself renting is nto bad either.

Any model ideas?

Padsplit seems like a neat idea to me, but seems expensive. 

I have no idea how real these rates are they dont have credit score just A+,B+ , C+ d and e and application fee is $400.

First thing I'd do is check comps to get an idea of the demand and rates you can charge for your condo as a MTR.

Not sure it will replace GC estimation but at least will give you an idea. 

I don't invest right in the city but I do invest south of there so if you end up looking at places there feel free to reach out if I can offer any insight.Jeremy is very correct - zip codes won't give you a good idea of price.