It is an issue that should be handled with one phone call but in typical HUD fashion is about to enter month 4Sherman-  Once again, where did I say I would give up in a heartbeat ?

Yeah, you could do that, or you could let the equity ride and enjoy the cash flow from rent increases, as in his example.

Use Zillow look within 2 miles from MU campus or bike riding near campus.

The good ole fashion kind.

Once I got to the desired # of rentals (that would produce the desired amount of cash flow should I not have any debt) then I stopped buying additional properties and started taking all that positive cash flow and paying down the mortgages in a systematic and targeted fashion. 

I can ride out any hiccups that happen.

My scholarship requires a 3.0+ GPA to maintain the full ride but I have not had too much trouble (fingers crossed) thus far maintaining.

I'm not trying to predict the market by any means, but I think it will be difficult for you to find better financing terms in the future.Lock in a solid interest rate while you still can and ride the Saratoga wave for the next decade or two.

If you have positive cash-flow you can ride out even a bumpy market and still be paying down a mortgage with someone else's money.

Maybe I am looking for a leprechaun riding a unicorn, but I have found a handful of places that I thought might work.