Most banks won't lend to properties held in land trusts.Lastly, there are cheaper ways to get into land trusts, and people online will advertise "easy to do" self options, but if you have the personal assets to mandate this method of estate planning/asset protection, I think it's worth paying the few 100 bucks it would cost to get a lawyer experienced in real estate law to write them up for you. 

Hey Varun - I am a lender here in Austin for investment properties - would be happy to discuss your options when it comes to a refinance.

Hey Isaiah, I think Columbus is a great option to consider.

One way to reduce your living expenses and accumulate equity is to rent out one property while you're a student and both units once you graduate.Another great option in Pearland is house hacking.

I have approached the owner and I offered him the option of seller finance.

Once I've added value to the property, I have the flexibility to decide whether to sell it or refinance for a cash-out option, enabling me to repay the credit cards.I'm not a financial advisor, just simply sharing what has worked for me. 

There are plenty of options outside of the Bay :)

I'm looking to shop insurance options for 3 properties.

You could become an Architect .Honestly , anyone would have the option to shop around .

Your options are already in front of you, you seem to want to make this work when the signs tell you otherwise.