I think you left out a key piece of info.

I think I have a definitive answer now, but wanted corroboration.

If timing is critical and being able to pay cash will "win" you more offers, then you could always do a delayed finance purchase where you buy in cash and refinance into a LT DSCR rate.

I don't know why anyone thinks wholesaling is a way to build capital.

To keep things running well, think about getting a local company to manage the property, make local friends in the business, keep up with market changes, have a backup plan, make sure you have enough insurance, follow the local rules for renting out property, and keep some money aside for surprises.

If your plan is to rent to college students, then I think it can be wise to have in your contracts co-signed by a parent/legal guardian.

address it, acknowledge it and/or fix it.That's all I can think of now. 

I could also take the money from another source, but wouldn't be able to carry the 2 mortgages on personal loan I don't think.

Hey Emily, I think it is worth it if it is expected to cash flow some in the long term.

Tenant screening is a challenging, but critical piece to being a successful landlord / investor.