She will be finishing up her doctorate and finding a job and I will be finishing up my degree and getting a better paying job (hopefully) in the next 6 months.

(I guess people still can take a sauna during 90 degree weather but well haha)Also should I cover the top with gazebo structure?

Sometimes career paths are paved with degrees and dedication.

It would be located near a wedding venue, hunting retreat, and about 25 minutes outside of a major university town (e.g. could rent for college football gamedays). 

What's your major and what is your plan for your college degree (for example, are you a finance major and planning to work for a large investment firm)? 

We are flexible on the location to a certain degree, but would not want to go south of the perimeter. 

I'm going through University Lending but I'm in the panhandle.

I'm in Canada and where I am, reasonably priced homes are still selling pretty quickly.It's pretty certain in high degree accuracy 30YFRM would be between 5 to 6% until 2028, that one was given and no longer a surprise.

That being said, it is almost universally believed that to arrive at a cash flow number one “modifies” the profit and loss statement by adding back not cash expenses such as depreciation.BUT, here’s my issue.  

There is no formula, and everything works to a certain degree.