I suggest smartly using your VA entitlement by buying a duplex or 4-plex property if that's the route you want to take.

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Took some great advice from a very smart guy (m my Pops ).

Sounds like you're off to a great start and are being smart with your transition from job to full time investing.I've seen quite a bit of delays from contractors not doing things they say they're going to do (not even close is some situations).

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If paying off debt to you is "starting from scratch," I think buying an investment property in your situation is "digging a hole and walking across it on a tightrope".Be smart and pay off the debt.  

And had the situation not been so urgent I would not have incurred agent commission fees (I would have just advertised online like I usually do).Needless to say, the smart thing would have been to chart all of this out in an ancillary agreement.