If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

You guys need to get rid of that student loan debt.

I would want to target corporate rentals, travelers, students.

As a new realtor (and student) you probably make below 80% median income which might help you qualify.I work with Finger Lakes Federal Credit Union (for my primary) and Lyons National Bank (for my investments), both will probably be able to help you navigating downpayment assistance and your situation. 

What kind of tenants do you rent your properties out to in Hagerstown or York/Allentown in PA.College Students?

When I joined there were 11,000 students, now there are almost 13,000 students. 

Avoid anybody who was a Pace Morby student

I am a 19 year old full-time student, currently a freshman at the University at Buffalo.

Anyway, Peter is an authentic person that does care about his students and him and his team ensures that you make a good deal and not some half a%^ed one that puts your investors at risk.

It's 10 mins away from LSU so I've been house hacking to college students.