But, you want to get the most out of a good learning environment as you can and I see this RE as a distraction.Further, at your age, I see no downside to getting an education, if you can - other than of course the cost (but research value of college over a lifetime if you are struggling with that).

Then they slam you with another course or "membership" where they say that they'll do everything for you and you'll be a "lifetime partner" ... this partnership will cost you 20-40 thousand dollars. 

Now my property manager says i can rent it out for 1395 a month and i pay them %10 percent for rental property dues.

So you are likely talking about 6 or 8 percent returns.

Based on my rough calculations, with a 20yr fixed rate you would pay about $26,700 in total interest for the lifetime of the loan, as compared to $42,400 for the 30yr fixed.

The potential cash on cash here is around 5 percent. 

I still have a property manager, but they only charge 7 percent.  

Anyway, you’ll need some cash as zero percent down isn’t going to be an option either.

The reason we originally started using Retirement Funds is that is where a very large percent of our assets were ALREADY.

Our rehab cost is literally 50 percent lower than what "normal" real estate investors pay.