I think the point to all that was, the OP didn't seem to want to acquire the loan nor in this case does it seem like he should.

Do you hold the DOT, is it a local Bank, or did you acquire the property subject to the DOT?

I formulated a 2 year plan to save 20k , improve my credit and acquire all the knowledge I possibly can.

No, acquiring any asset or interest that has value could become an issue, however don't know what's going on either.What you acquire after the separation is usually on you, out of bounds, but my point goes to your ability to pay and ability to earn, that could be an issue.

I've been reading and studying the real estate investment field for about two months now but I plan on acquiring knowledge for 2 years before my first purchase.

I have heard very different opinions when it comes to acquiring rental properties versus strictly investing in quality flips.

Do you intend to borrow the money to acquire the property?

Once you've freed up that extra cash flow your third property should be a breeze to acquire.

My wife and I have 10 investment properties and are looking to acquire more.

If they don't pay me, I make MORE money because I acquire real estate (the collateral) at significant discounts (better than bidding at auctions!)