Welcome to BP.Just to supplement what Darryl said, loans will be based on the appraised value or the purchase price, which ever is less.

I'm just going to try to build a string of rentals to supplement my retirement in 8 years.

Your local realtor association branch should have supplemental classes along with your brokerage possibly.

Either way, it'd be great for you to earn some supplemental income and get some experience during your time at UF.I have the contact information for Ray Lopez the broker in Orlando and also Wickie Ariet the office manager up here in Gainesville if you would like to have conversations with them.

If it's agency debt, would you qualify for a supplemental loan instead?

Looking to get a multi family in my area and house hack my way to more properties to supplement my current job and hopefully learn more clever ways for REI as I go on.

Then, after that convo, simply partner up with someone who can supplement the areas you're lacking. 

Landlords that ***** foot around with rent increases are simply wasting time and unnecessarily supplementing their tenants rents.

I am also getting my real estate license to help supplement our income and to help with our investment goals.

If you're trying to supplement your current income and get funds immediately, it's not the best strategy.