You can get a 2nd mortgage towards the remaining down payment, including seller financing. 

If your definition is a company that buys, rehabs and manages their own inventory so they remain responsible for rehab issues and management problems, (which is my definition)then there are only 3 in Memphis I believe..1.

I plan on using the money I make to finance buy-and-hold real estate deals in the Austin, TX area, where I one day plan to settle down at.My first question to the community is, Do you think it is a good idea to pay off my remaining student loan and vehicle debt before jumping into the world of real estate?

@Dominic Wentz Blanket loans typically are 65% to 75% loan to value which will allow you to purchase the remaining four properties. 

If you look at their overall credit history and they had always been a dead beat, the chances are that they will remain to be dead beats and will either be late on their rent or not pay. 

There remains about 9 months on the tenant's lease.

Today's interest rates are some of the best seen in years, so taking advantage of this by placing as long of a term loan as possible with a fixed rate, will help you grow your money faster.Leveraging your property with low interest money allows your to make a greater return on the remaining equity and allows you to make another return with the cash you pulled out.

Most apartment complexes currently have a several month waiting list for a 1 bedroom, yet 1 bedroom condos remain incredibly cheap in Orange County, particularly around Universal.. so.. the opportunity is real around here, but, you have to begin with what makes Orlando-metro unique, because it severely alters the landscape compared to other (typical?)

My best guess it's statistics based, meaning people who remain in a house for at least a year are less risky because they are more likely to continue to pay the mortgage even if they move out, so they offer you a lower rate.  

Individuals remain at 10/15 - but since she's so busy now sounds like she may free up after Monday.