I discovered this while working myself to death, in the profession that I had worked so hard to obtain... that would never allow me to become wealthy (in spite of the cost to get there).I agree with the owner occupied advice and house hacking- then you can use the EQUITY from paying down the home loan to fuel future investments- we bought a fixer upper and just got it appraised with over 70% appreciation.I advocate taking action- I am not good at sitting around waiting to be successful- so working an entire home renovation flip while living in the property and working full time will help a motivated person (guessing you both are like me) to feel they are making progress :) Having a mortgage worth of student debt is no joke, but one you have the mental shift to realize that minimum payments and maybe never paying it off aren't that bad- you feel much more comfortable starting to build wealth (even if you will have that debt the rest of your life).Best of luck :)

I can move with the market better if there is a shift.

Shift your to do list from "read this chapter" and "listen to X podcast" to "talk with X agents/owners", "analyze Y live deals" and "offer on Z properties" by specific dates.  

@Brendan Campbell,To make the @ work, do the following: Hold down the shift key and type @?

Here is a website that shows population shift by area.

If we take @Pat Martin 's example of a 30-year term mortgage for 100K @5.00%, shifting to bi-weekly payments alone would reduce your effective amortization to 25.23 years.

Transactional funders need to shift that risk by requiring you to have the end buyer very financially committed to the deal (higher than typical non-refundable earnest money in the 5-10% range depending on the specific deal) and no remaining contract contingencies at the time we would fund your purchase.

Especially shifting our largest employers from the casinos and hospitals to Tech companies.

You can perform the mold remediation yourself but I caution you as others have said, you may want to hire a sub and shift liability on to them.

However, if the tenant used the appliances improperly that could shift responsibility.I called the tenant and she agreed that the clothes were soaking wet when she loaded them in the dryer.