Check with your employer/benefit plan, some have rules that if its not your primary residence that you need to pay back the loan within 5 years, some plans do not let you make additional payments but allow pay off in full as early as you want, also if you leave your employer anytime before the loan is due, you may have to pay it off or pay a penalty.  

(d) Solicits borrowers or lenders for or negotiates loans or collects payments or performs services for borrowers or lenders or note owners in connection with loans secured directly or collaterally by liens on real property or on a business opportunity. 

Could additional provision added to a Texas standard lease overwrite Texas Property Code 92? 

You are already saddled and stressed with debt, I don't think you need an additional dose with hard money, unless the deal is one in a life time.

I will do some additional research as well.

The better performing properties for Sacramento will approach 0.7-0.8%, and for San Joaquin they will be 0.8-0.9%.

You have 60 days to move into the property, then must occupy it for an additional 12 months after you move in before you can move out.

Some relatively simple formulas can make it almost automatic and will suit your needs.If you want to get additional features support, my personal favorite cloud based accounting platform is Xero, but also Quickbooks is extremely popular with lots of customization options.Let me know if you have any other questions.

Be careful of the guy who says he self-performs everything.Preference to a contractor with a physical office.

In addition to all this, networking online and offline is a top priority.