This can be a great way to concentrate your equity in order to be able to make a later cash out refinance as powerful as possible. 

The best way to have a reliable tenant in your property is to:Buy a property that attracts a tenant segment with a high concentration of reliable people.Work with a property manager who can consistently select reliable tenants.

Most of that is concentrated around the metro areas - Indianapolis, Ft Wayne, upper northwest corner.

If that's the case, then your next best bet is really concentrate on your studies.

But as I stated, I want to aggressively pay down the loan so not looking to cash out ReFi or DSCR and just concentrate on clearing it. 

Since you are just getting started, I'd concentrate on working with sellers first and getting your own buyers list in place in place of agreements with other wholesalers.

Before I talk about how to select a tenant segment with a high concentration of reliable people, you need to understand the relationship between a tenant segment and the property.Every tenant segment has specific housing requirements.

Therefore, you should buy properties that attract the segment with the highest concentration of reliable people.Each property attracts only a single tenant segment because its characteristics match only one segment's housing requirements.

It's amount of WORK and CONCENTRATION that will make a difference between make or break, and no GURU can make you stick to your regimen and do something persistently and systematically if you can't make yourself do it.  

Now that I’m in my early 70s, I think that’s TOO MUCH concentration.