and maybe he will. 

I have one lender that will go up to 85% but need 720 credit or better and 1.25 DSCR no rural areas

The vast majority of people will not have these accounts, and the % that comes with them.

@Duarte MarquesPossibly but highly not recommendedFor those with no real estate experience or experience in taking on debt, it’s not easyTo do it also with little to no down payment or reserves in most occasions will end in disasterReminds me of when in high school a friend used to let his dog drive his car.

Also, I'm not sure how you're paying attention to it on the tax side, but the unit that you are living in's profit at sale is calculated differently than the other unit that you're renting out.Once you move out, that unit is officially available for rent so from that point forward, any profit gained at future sale will be calculated starting from that point and will be taxable.

If I choose to also pursue the real estate investment and management concentration, I will have to take one more semester.

After two years your only profit will be the education you gained. 

They will save you time and money. 

If you start reading the forum, you will get a good idea of what to look for. 

Maintenance at at PM company or one of the big hedge owners like AH4R, leasing at apartment complex will teach you a lot about applications, fraud, leases, collections, evictions.