If you're 21 you have plenty of time but no skills, knowledge, experience, connections, and probably little or no capital to risk.That makes your job easy: focus on fieldwork! 

I'm a project manager and have lots of experience with construction, trades, and scheduling. 

When it went into the Dollar range, he was able to sell a lot more to pay off all Debts and his Principle Invested and stay in with just Profit as a Free Trade.

My poor math skills. 192x12=2304 yearly interest.    2304\.08=28800.    28800/.8=36000.

I'm getting my Marketing degree, and Indianapolis is full of opportunity for my 'trade,' AND my dream of creating permanent and substantial wealth and passive income through real estate.

When you're able to control real estate on demand without cash or credit and able to assign your property while in contract and make money, you will then have the skills to build a  portfolio using the Control and Hold system of cash flow. 

Besides being able to check the box and receive your license after you take the test, the class will contain loads of applicable knowledge and skills that you can carry with you and build upon your entire career.These are just my two cents gained from listening to podcasts and reading books and blogs.

@Sven D. check out Oregon Chapter 646A Trade Regulation, specifically sections 700 to 765, referred to in combination as the Mortgage Rescue Fraud Protection Act.

This market may not be the best entry point for a newbie--screening tenants is a skill that is learned over time and it is absolutely critical to success for this type of property.  

If you want to put yourself in a better financial situation for the time being (which sounds important to you, judging by the wording of your post), then pay off the debt now and save up for a purchase further down the road.And just to put it out there, the reason why buying another rental would accelerate passive income goals isn't just because of the cash flow but also the tax savings and equity+any appreciation that will play a factor in case you want to do a trading-up strategy later down the line where you sell your properties to buy an apartment.