When you have a good deal, it will give you confidence that you are on a mission to provide a valuable service for people to earn a great return on their money that they probably would not find elsewhere.  

If you qualify the beauty is that you can earn and learn as a limited partner participating with experts that do this for a living.  

@Fernando ParkerIt is funny that I just came back from coffee with this new friend.... who is still collecting $150/month...to get to the $300K equity that his friends all earned, he needs 2000 months of the cash flow or 166.7 years of doing that....Lol...

As you already know, June-August is the peak season for vacation rentals in Destin.

So a 90 percent LTV HELOC may not be terrible if you're earning a higher cap rate on a rental.

Save up your earnings, buy primary residences, improve them, and sell them every 2 years with the free up-to 500k IRS capital gains tax waiver.

Sell them because they are dogs not because it's your guess at the peak of the market.

Don't touch your money for vacations or other non-investments.Stocks are much more liquid than real estate, and on average earn 5-10% annually which trumps savings accounts.

While many property managers and contractors earn their poor reputation, there are a number of us that do work diligently on behalf of our customers.  

A 100% LTV home equity loan will not be a common product and, where you find it, it will likely be at a similar rate to your student loan; so, let's just take that one off the table.So, your choice is to pay down 6.25% debt or invest and earn 6-10%.