Eliminate debt, establish a budget, and save.

I continue to invest in debt funds simultaneously, at my rate it started 33% but will trend to 20% of downpayments.

But these days, it’s hard to find decent properties where the numbers work as far as covering the debt service with rental income. 

If it's simply cash flow--irrespective of hard assets-- then you're better off buying some form of debt.

I do not have a lender right now, and I will need the 12-month rent history as well as various metrics on the property such as insurance quote (which needs property information in order to obtain), existing debt, and purchase price (which would be established while making offers).

With this property you must leave $50K in the property in order to meet lender debt coverage requirements.

SFR is far less impacted by such, mainly because the debt being capitalized over 30yr terms vs, 3-5-7. 

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

But a certain amount ( the dreamers) go into CC debt to pay for it.

Eliminate debt, establish a budget, and save.