@Sheldon A BarachoYour desire to have personal use of the property is a deal killer for any kind of IRA or Solo 401(k) based program. 

Property is in B neighborhood but its possible that I may end up with C  tenant with program.

There are also First time buyer programs in many cities and being in the Health Care industry may have options available sometimes as well.  

. $10,500 down payment (10%) 2. 5% interest rate 3. 20 year amortization schedule with option to pay it off soonerThat NETs me $364/month in positive cash flow which I'm good with (ROI = 44%)Thanks in advance for any assistance or deals that you've done.

Yes some people have an attorney "On retainer" In other words have paid in advance for their services as needed but generally you won't need that. 

Your utility might have a program to offset the cost.Aerators and showerheads are a great investment.

Thanks in advance!

Thanks in advance for the recommendations!

Congratulations on getting yourself to the point where you know you want to invest in Real Estate - and also with a good amount of cash on hand for someone only 20 years old.Depending on your credit and job history, you could qualify for other type of loan programs, too.

He is looking for the following:3-4 Bdrm2-3bathbetween 120-180kThanks in advance for anyone who can help!