The additional amount could be due to the lack of payments, legal fees, a possible refinance, and/or home equity loan.

You wouldn't make a ton of cash-flow but if the economy stays good (which is what you're betting on right?)

Good Evening:How do you go about finding Properties that are Distressed ( not properties listed on HUD or HomePath ...... as these properties Never seem to need that much work done to them ) I am looking for properties that I can pick up for around $30,000 - $40,000 and that need $15,000 + worth of Work done to them And who's ARV would be in the $100,000 - $125,000 range I have the Cash at hand to Be All-In on my end of things , at around $80,000 - $90,000 But I don't want to have all of my Cash tied up into one Deal, But I also want to make sure than I can Flip these Properties rather Quickly , by being able to offer them at a Purchase Price at roughly 10% BELOW the current Market's Value on Similar Properties with the same comps, and that are within a 5 Mile Radius of the Properties that I fix N Flip Is a Driving For Dollars approach most Likely my best Bet to find these " Severe " Distressed Properties ( Not so Severe though, that they have Structural or Foundation Issues ).

Some additional info that I hope addresses some of the questions:@Cory LaChance I actually refinanced under the 3-month mark (see the timing listed on my original post). 

In addition, if you can buy a property under market, or with an opportunity to add value (even if it's just paint and landscaping), you then have the ability to give your investing a boost when you either raise the rents because you have a higher class property and/or pull out some equity to invest in another property.  

I have experience in processing loans in addition to buying and selling residential properties.

Additionally, should property manager withheld rental income for tax?

This is therefore making me put an additional $1212/month more towards my loans for those first/next 7.4 years ($2446-$1234= $1212).If I was to invest this money instead in a property via low money down owner-occupied purchasing wouldn't I be far better off come the end of the 22 years if I chose that repayment plan for my loans, ifffff I rely on appreciation (I know I know, bare with me).I think this because recently, I bought a triplex last year ($235k) and it is cash flowing about $3k/yr (soon to go up when I get rid of my PMI) plus my tax benefits.

My bet is that these are two separate problems and two separate repairs.

Here is a website with additional information: https://studentaid.ed.gov/sa/repay-loans/consolidationDepending on your source and level of income, there are different repayment plans the previously mentioned website discusses.I can only speak from experience with Great Lakes, but you can google student loan consolidation to find others.Hope this helps.