After grad school I anticipate starting salary of 300k+, but will have 200k student loans which will only delay/limit me from starting my real estate investing journey.I have enough saved for up to 15% down payment on a fourplex around 450k, but dont want to go hard money lender/dscr as they are currently in 7-9% range.

Are you trying to buy a property or wholesale and if either, is your money in order to be making these calls? 

Hi John-Thanks for sharing this list of Top 10 Real Estate Markets for Cash Flow in 2024.I too found it interesting to see Flint, MI on the list but as a graduate of the University of Michigan-Flint and Mott Community College in Flint and I am back there often enough to say Flint has done a lot to develop itself and a lot of money has been poured into Flint after the water crisis.I say good for Flint.

Each child can hold a specific property or properties, investments, assets, borrow money, or have a specific business purpose.

I was just setting money aside.

I made quite a bit of money the last couple years but my contract ended in April.

I am a regular lender doing FHA, VA and Conv, but I also loan my own money privately, and pool money from other investors when I don't want to loan my own money.  

More liability=More money as most things in business.

Last year I barely made any money after all expenses were paid.

I don't know you're strategy but take caution when spending this money.