The plan that I followed since graduation: Paid off student loans, max out a Roth IRA and 401k over the last 3 years (I’m still eligible to max out a Roth IRA as my income is very low compared to the average dentist - I work in an old private practice that my brother owns).

@Caleb Heimsoth I am not sure if I can refinance a government loan and the private loan I have.

Does anyone know of any good collection agencies for private landlords?

The reason why they're inexpensive and competitive for private "insurance" is because they don't accept everyone.

Small to mid size banks are who you want to talk to before going to private mortgage brokers. 

I don't know all of the in's and out's of it, but typically it's used for short-term money for acquisitions, rehab's, or as leverage for private/hard money in a deal.

Is water/sewer public or private?

Im trying to do my first BRRRR / Flip & I know how crucial that ARV is since i would be using a private lender.

Decor upgrades, the addition of private hot tubs, and a fenced in yard for dogs have all added to the marketability and the occupancy level of the property.

All the big flippers I know use private money and typically pay 6 percent (and no points) or less in interest