But primarily for the efficiency of money.

) any ways , she gladly paid the app fee, filled it out on the site, had paystubs ( she is in the service industry) makes enough money no problem.

Since I am 19 I don't have tons of money to just go and buy a property to invest into.

Save your money, put in 3 to 4 hours per day of study (YouTube, BP, other sites) until you are confident this is what you want to do.

What I see is there are many people from abroad who just want to park money here vs their home country due to inflation or some other reason who are willing to take minimal returns in exchange for principal safety. 

Just like everyone else in the world, I exchange my time, work ethic, and knowledge for money.  

I have made more money during the Pandemic than ever before so Covid is not the issue.

Or is it better to wait out the seasoning period with your loan balance (I used a HELOC so no hard money lenders or balloon payments) and just refi out in 6 months?

Everyone doubles their money and the house is yours.You have to do the math on contributions and payouts.

Over several years, I have worked hard to save up for a down payment, and I currently have $200k set aside in a money market account ready to be put to use.