I am in University and have my Real Estate License and am planning to work part-time as an Agent once I pass my exam to make connections and to keep learning about my San Jose/Santa Clara Market (plus hopefully increase my income).I am saving all I make at my current job and am trying to understand at what point I can start looking to buy my first Property. 

Thank you all for the help!

Hi, all.  

I appreciate all the feedback.  

We agree with @Travis BiziorekBay City, Saginaw & Flint all have low price points, but little to no growth.There are better opportunities in Detroit, even Midland (home of Dow Chemical).

I work with an active investor in this type of market to help her build this private lender army to fund all her deals.

It's all a decision-making matrix.

Should I be laying out all my financials right then and there? 

A class A property may be good at a 4% CoC return but a class C property may not make sense at a 25% CoC return.Unfortunately there isn't a 'magic' number for returns that span all asset classes, you'll need to make sure you are educated on the asset class in which you want to purchase. 

If you intend to pull money out long term, I would do a 30 year fixed rate 1st mortgage as it will offer the lowest interest rate out of all lending options on the market.