I have a PM that hit me with a large turn-over bill $2-3K.  They said they re-painted, did yard work, etc.  When I questioned the work (It looked like I got billed for re-painting twice) and asked for receipts and pos...

I suspect not, in which case this can be a great deal.Find yourself a mortgage consultant who is familiar with SmartBuy so that you can see your options.

I suspect there are many more, but most tenants were probably asleep when it happened.

Thats an above average rate to buy a home....and I suspect that is higher than the rate on your student loans.....so sounds like you would be consolidating 2 debts to borrow at a much higher interest rate which would be a bad move. 

Quote from @Matthew Bowling: I suspect the Landlord is a typical amateur that failed to increase rent over the years.

I suspect you spent thousands of dollars on this issue; your tenant lost use of their living room and part of the kitchen.Simple method: square foot calculation.

@Micah LundstromI don't know the market at all... but I suspect it would be better than trying a monster BRRRR as your first deal

I suspect you have a personal connection to addiction. 

I suspect you are misreading something.

I suspect you will run into additional complications if you go with 220K.