Which do you think you should spend the majority of your time on?

You need to refinance your loans at a lower rate, try SOFI or similar.FI is all about your expenses not what you make, so take stock of that, use Mint or another tracking tool to show what you spend your money on. 

Congress is always looking for more money to spend.

I definitely recommend spending some extra time estimating your rehab budget and then figuring in a good percentage extra for a cushion. 

Most tenants would prefer to be in a single family home so if they can spend another $50 to $100 to get into a SFH, they will.

Get ahold of a Dave Ramsey book on how to control your spending as well. 

With steps to reduce spending those funds will go much further.

If you instead spend a ton of money and then real far in ask for a credit the seller will try to use that against you.

I also think the team/network oriented approach helps to narrow the search.Those who spend their time analyzing every market find it harder to take action in one of them.

If you're willing to spend the time and effort to figure it out, you will be rewarded beyond your imagination.