She’s only 22 and doesn’t really know what she wants to do with her money she’s making from the military and the healthcare field. 

Saving up more money isn't the most fun suggestion but it is what I'd suggest.

Private money loan?

FYI in 1929 banks closed their doors, and many people lost 100% of their money.

However, if they do, they are likely just 'okay' with it and would likely leverage the 10-07 market rent analysis on the appraisal to actually calculate and determine the official DSCR during Underwriting.Hope that helps, if you do have a tenant who is willing to be flexible, the 12 month is always the safest bet.

They can save you money on an occasional repair, at the expense of your sanity.  

I would consider myself knowledgeable about money. 

I have seen some of these "Bookkeepers" who have a set price and then get VAs to do a lot of the work and they send pretty Excel financials over to make it look like they are great but they don't actually know the concepts and how it all flows together.

(Instead of complicated private money or hard lenders)

I can bring money and financing, and I'm looking to be boots on the ground.