Lenders are typically more conservative here than in 90% of SE markets because of the combination of a low-income tenant base with minimal, quality jobs and the high military concentration in the sub-market. 

Being out of state make things more difficult.I am thinking maybe to concentrate on Indianapolis market and maybe find an agent there.

You'd have to add if you have a mortgage if you do.Keep your savings as an emergency fund, and if/when you rent the 2nd place - add that to it and pay it off faster.Using this pay down method, you would pay off ALL of your debts (including the ENTIRE 45k loan that can be forgiven in 9 years) in 2 years.Don't need to sell the cars, don't need a second job, literally just don't blow your money and concentrate on debt payoff.

Once you pick such strategy, concentrate on it only without any deviation to excel in it.Best of luck!

@Trevor Finton When you start you should concentrate first on getting your "business" running and accumulate investments and assets.

Concentrate on that and you'll see your fees increase.

I'm still working through what I will concentrate on, but am open to most options: Single family/Duplex, apartments, mobile home parks, out of state, turnkeys.

I figure if the renovation runs over the 28,000, I could concentrate on one of the two units and get one rented, use the rent from the first finished unit to fund the renovation of the second.   

@Kevin Dean , @Joel Owens sheds some great lightIn regards to the overall Medical Office outlook, it still remains strong, however what your seeing is also a shift to large, concentrated outpatient medical parks that are on stop shops from Primary Care, Derm, Outpatient Surgery, among other specialties. 

Concentrate on your W2 at your age, work toward the highest paying job with a pension and benefits.