Any revolving or installment debt including credit cards, personal loans, student loans, auto loans, mortgages, equity loans or property taxes and insurance on your REO's will be included in your debt to income ratios.

Then the Attorney will have some skin ( her/his ***) in the game if anything goes wrong and you can retain them for a reasonable rate.If you have any other paperwork, a first year Law Student should be able to rip it (and you) to shreds in Court, unless you have Legal training.

Scott The Book on Flipping Houses, The Book on Estimating ReHab Costs http://www.biggerpockets.com/flippingbookYou might consider Niche or Specialized Housing like student housing.

@Kazi R.I had a tenant that was a grad student, and didn't work.  

The only debt I have are student loans and my living expenses.

Their passing percentage was about 60% but this was not bad when comparing the competition and the high volume of students.

This property is unique because it is a single family home where I've been leasing to Texas Tech students for the inflated rents and constant demand.

she is a student and not working at this time.  

Since I am struggling to find a job, I want to start wholesalling; but I am still hesitating on which market to focus: houses to flip / multifamily for student housing.

I am a student at BYU, but I'm in Arkansas for the summer.