Also, since the cornerstone of real estate is actually finding good deals, you may start your REI career via wholesaling, which can generate a substantial side income (although active, not passive) that you can redirect back into growing a portfolio.  

I've calculated with 5% down it would take about 9 years to remove PMI, less time if I redirect cashflow to pay down the mortgage)Here is the cash flow:And return:I'm concerned that I may have miscalculated something because the cash-on-cash return seems so large.

Nothing wrong with going direct and having owner redirect you to agent...

Thanks for the redirect @Jay.

Assisting the Commonwealth of Puerto Rico and local governments in re-allocating existing federal resources toward disaster relief – HUD's Community Development Block Grant (CDBG) and HOME programs give the State and communities the flexibility to redirect millions of dollars in annual formula funding to address critical needs, including housing and services for disaster victims.

Instead, they re-direct you to a company called ApplyConnect. 

The self-redirected Roth IRA sounds like a good alternative except for the contribution limits.

You should just redirect your strategy.

It has a lit a fire under our a$$es to get this ship redirected.

If you're looking for the best allocation of equity, I would consider doing a 5% down owner-occupied conventional loan since you are moving into it, and re-direct the rest of that down payment money towards your 6.7% student loans, paying them off immediately.