If they leave early, they are still responsible for rent until a new renter takes over or their lease naturally expires, whichever occurs first.Your tenant is leaving.

Best to you, whichever way you go, you have a huge advantage starting so young...

I got calls on my cell phone from tenants in the south here in Oregon..

Like getting rid of cable and cell phones and completely stop eating out.But, lets get real.

You'll be limited to 75% of the cash buy price or 75% of the lender's appraisal, whichever is lower, until at least 6 months have passed since purchase. 

If it matters, and it may not, whichever one is wrong tell them you are the owner and ask that they fix their record.

I see collection items all the time for two to three cell phone companies, fast food restaurants, even the library.

You can borrow  from a 401k, but the loan is limited to 50% of the balance or $50K, whichever is less.You can invest using your SD IRA in a property, or you can use your IRA/401k as a bank and lend money to others.

DOJ/state sees both of your cell phones pinged off the same towers by the local diner.

If you finance (delayed financing exemption) within 6 months of buying the property with cash, you can take out up to your initial investment (purchase price + closing costs) or 70% of appraised value, whichever is less.