But In theory, leverage will optimize returns. 

It is likely you will be unable to find a property in the optimal location, I would not hesitate to consider investing in a property in close proximity but not directly near the medical school so you can get a property before you no longer have verified income for a traditional loan. 

To find an agent to help, go to "network" in the menu at the top of the screen and choose "real estate agents."

I'm a #s guy too, so I definitely understand where you're coming from, but there's also a point where it's more beneficial to just get started with a decent property, than to run more analyses trying to find the "best" or "most optimal" property.

If you are trying to build credit you should keep your card at under 30%, 10% is optimal.

Except for a few, select situations the whole concept of whole life insurance is sub-optimal.  

Vertical builds can optimize existing zoning.  

I don't see that, unless to argue that I could put financing on RE at less than 7% to optimize return. 

I’d have to stop going to fancy restaurants like chic fila and go back to the dollar menu at Wendy’s and McDonald’s  but I think I’d survive. 

Sometimes solutions that under normal circumstances would be considered sub-optimal, or even crazy, may in fact be your best option.