Quote from @DR Rearwin: Be aware that if you purchase a property as your principal residence, and later convert it to a rental, the lender may have the option of calling your loan and making you pay it all back immediately, since you have changed the use of the property.I never knew that.

The median closed sales price in July 2020 was $329,000, as compared to $275,000 last July and $213,000 back in 2017, according to the Ulster County MLS.

Or could I 3 properties flow into one account and pay all expenses from there.  

Of course the solo would also pay the notes.

This is what I am encountering, in the current Mortgage Industry.If you think you will go FHA, Conventional, FHA 203k, etc. and then Quit Claim the property, to a LLC, or a Land Trust you run the risk of the lender discovering a Title Transfer occurred and activating the "Acceleration Clause" or "Due on Sale Clause" that requires the loan to be paid in full, within 'x' number of days.

:)As for LTR rental terms, usually we sign a 1 year lease where tenants are expected to pay Electric and Gas if applicable, while the owner typically pays water/sewer/trash with the city. 

I have a tenant occupied single in Allentown for sale.

They’re “meaner” than me so they charge late fees (I get 1/2), file pay or quits, and increase rents faster and further than I would.

We are building a place with HELOCs then after it is built we will finance it and pay off our HELOC, at least thats our plan. 

If you think you can manage a mortgage, taxes, insurance and the upkeep of a home while paying your student loans then buying is not  bad idea but if you think you will overstretch yourself renting is nto bad either.