Aloha,Short answer...it varies.

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So I'm just rehabbing it into a high end rental and I'll be staying here next two years until I get my degree.

I am not a fan of excessive student loan debt  (think six figures with a degree in art history) but yours looks 1) manageable and at a reasonable level; 2) as stated above, it is very likely some of the lowest interest debt around; and 3) not sure it has been noted, but it is likely deductible, depending on your income level....so as the board says, the chance at appreciation, building equity, rent saving and more tax breaks as an owner occupant of a duplex, triplex or fourplex makes the investment win when you run the numbers over time.

I graduated from North Texas with a business degree with emphasis on real estate and I got my broker license in 1980.  

Regardless of getting a business degree that was in an emphasis in real estate I felt more comfortable with the construction business.  

Well I did go to college and I do have a degree.

About two years ago, our central a/c broke and it was VERY warm almost 90 degrees in the house for about two weeks.No other room has this issue.   

For example, I believe the average vacancy rate in the US is about 7% but varies by market.

Closing costs vary, commissions charged by Realtors vary, states vary....your mileage may vary, but 10% is a nice round number in the ballpark.