I would prefer not to do a hard pull on my credit.  

I don't know how a loan for 535k was originally pulled because the property is currently worth 380k. tops.Because the loan has gone unpaid for so long there is a an additional debt collector who we must go through.

@Jacob Kushnergetting a team together is the most important deals can be found (and sometimes created) anywhere having a team you can trust to pull it together is the most important part

But it makes sense to me to live for a little bit of nothing in a property that's building equity, paying off the mortgage and that you can in a year or two pull out some equity to purchase the next piece of property to do all over again.

The ones who purchased earlier did refi's and home eq loans and pulled out their equity in cash.

I'm using the winter/down season to learn and looking to pull the trigger on my first property in Spring.Thanks in advance for your input!

Your student loan debt is being serviced from after aftertax income, so that 6.8% needs to be adjusted for your marginal tax rate to yield what you must actually earn to service that debt (could be closer to 9-10% pre-tax).If you have forced appreciation in the house and it will appraise for 135K, you may be able to pull additional equity from the home to pay down (or pay off) your student debt ... effectively transferring your student loan (6.8%) to your mortgage (4.x%?).  

Then I wrapped one end around a piece of conduit to create a loop in the wire and pulled the conduit out.  

These fees drove up the price of what I could wholesale it for, and I ended up having to pull out of the deal because I couldn't move it. 

If there's still room for some profit after the estimates then pull the trigger on a construction loan to convert the property.