This is why my deposit is always higher than the rent.This encourages the tenant to pay the last months rent and clean the house so they their higher deposit back.

So, I would start with asking yourself a few questions:- What is my budget? 

So I do my networking online.

you're still "investing" in it with the down payment, closing costs, setup... so that's capital that could be used for something else. 

So inspiring!

I hear so many stories of how people start out there journey and this seems to be the best way if your young like me with no money to spare...

When sewer backed up into our condo, association was responsible for maintaining it and so they paid for cleanup and repair/replace of damage it caused to our unit.

If so, then go ahead and sleep in it.

It's still a great area, but the appreciation popped so hard, the trajectory is going to be slower over the next several years.Also, if you have never room hacked, it's not that easy.

There is no mention of the loan balance, just the rate and payment (I did the math on $513 / mo - if it's principal and interest only the loan balance would be $92,900 - so I suspect you're quoting a PITI payment).