The private money will be in 2nd position on a high LTV deal.

In my opinion it will calm down in the next 5-8 years, at that time I want to be in the best position possible to take full advantage of the market.

I knew I would want to re-position the property and pull equity out, so the penalty didn't make sense.

After some research, I've been seriously considering using a company like, Memphis Invest, as I've found a lot of positive reviews about them, and spoken with a few of their clients. 

My experience was positive; I am sure that the agent made all the difference, regardless of how she came recommended.Of potential interest: A couple of the offers - “insultingly” below my asking price - were from some LPs/LLCs, one of which was definitely a REI arm of a large private equity firm.

Or accordion style blinds that are easy to position in place. 

At 20 with no money, I'd focus o.n your education and save what you can so when you're in a position to take action you're ready

I am now in a contract position as 1099 and have the option to fund my own Solo 401k up to 55k, which is amazingly awesome compared to most employers just providing the individual limit. 

@Eddie AvilesI think that as long as you keep a positive arbitrage, the math will always work out in favor of higher leverage. 

You would have to pay down $33,362 to do that, but you could just pay it down over time or just make a mental note of what point you need to refinance once it gets to that level.Just an idea, it may take more time to get positioned for this method, but it will be the best of both worlds...