I only know this since I work in Payroll for a Network of Hospitals in CA.I would be more concerned on how long their lease is than their student loans.

My tenant has the rent automatically deducted from her payroll twice a month as she has a government position.

I've been using QuickBooks for several years to do payroll and financials for a small business.

I've been using it for several years to do the books and payroll for a small business, and can't see any obvious way it would save me time / effort.

For most people who ask about ARM's I dont necessarily say they are bad or good it just depends on the sophistication of the borrower/investor and their emotional maturity in handling the risk.Whether you should sell or hold or rent depends on what your objectives are so no one here can know enough to advise you on that from the scope of this article.

Ignorance aboundsLastly, and I know this doesn't apply to you because you are obviously very smart and sophisticated (as well as being a snappy dresser). 

As far as not getting a degree - my daughter never finished college and she makes 6 figures as a payroll systems analyst. 

She's in payroll. 

There's no need to pay for any sophisticated programs for just one rental.

You need to build volume to a point where supervisor, manager, assistant managers can be on the payroll so you can enjoy life and it runs itself with minimal over sight with systems in place.