Create a budget, stick to it.Second, honor your debts. 

The tax deduction for mortgage interest on the other hand is likely to stick around much longer.  

I mostly rent to college-age people who appreciate having a dishwasher (stainless steel is a bonus) but wouldn't get any extra value out of spending 2x the money for a Bosch so I stick to the bottom end of the spectrum.

Stick with it and you have an advantage over everyone else here - time.

My parents think i'm crazy and should stick with engineering or something like that. 

They may be willing to waive FM guidelines, or might stick directly to them, but they have a lot more leniency in their qualifications.

But how does Cozy make money if you stick to ACH and not CC?

I have heard from successful wholesalers that no matter how low you feel your offer is stick to your numbers.

Also if I should get into flipping them or just stick with rentals and owner finance

This is a long and crazy story so I will just try to stick to the relevant points.