Let’s break this down because there’s a lot to unpack here.The real question is, how well is that debt working for you?

Those areas will eventually cashflow as you pay down debt but definitely not in year 1 Thanks for the response!

However, it is perfectly acceptable to combine all tenants’ security deposits into a single account.

That does not require employment or job seasoning instead it uses the rents to qualify and you can take out up to 80% LTV cash.Use the cash to put down on the next 1-2 or more properties as long as the other properties are debt servicing themselves it opens up more opportuities to buy more future assets and increase your passice income.  

This reminds me of the discussion around pricing things at $x.99 instead of $x+1.00.EXAMPLE: $4.99 instead of $5.00Everyone "knows" that the price in the example is basically $5.So, why do billion dollar companies, spending more on marketing departments than everyone's combined income on this thread, STILL use the $x.99 pricing format?

We prefer no debt (we are not from the US originally).

This could also hurt my debt ratios if I go to borrow on another investment somewhere like my plans for the STR.  

I'm at the beginning of my investment career, fresh out of college and pretty heavy in debt at 7% interest.

The requirement to do this generally involves an experienced GC signing on the borrowing entity as a 20+% owner thus making them a signatory on the loan and responsible for the debt which in most cases is not very easy to find.

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.