I’ve been investing in real estate using traditional mortgages, seller financing, and hard money lenders for a while and have represented tons of clients doing so as well.

Basically I feel that pursing a traditional stem degree while pursuing my ATP, and teaching myself investing would be too much to handle so I need appreciate any advice, thank you!

PMI doesn’t cover investment properties, so you’ll have to put down at least 20 percent, or even more, to get traditional financing.

Traditional Loans How did you add value to the deal?

Typically an employers match is contributed as tax deferred or Traditional, so it is possible your 401(k) may have both Roth and Traditional funds in it.

I'm not a commercial lender, but the last time I spoke with a commercial lender (last week) I discussed construction loans with him and if I couldn't do a traditional refi it would convert to a 5 year fixed rate then adjustable for max 20 year term. 

Some of the funds were Roth but the bulk was traditional 401k so took a big hit with taxes.  

@Bill Haldenby  You are correct, STRs are definitely more work then a traditional rental, unless you go with a turnkey management provider which will likely gouge you of most of your profits.

Traditional How did you add value to the deal?

If I do traditional rental...I'll get about 15% CoC at $6K gross rents.