It sounds like what you're looking for is an equity partner - you will have a tough time finding someone to lend in 2nd position at 100% CLTV. 

At the same time, notify both of them they they are free to apply for the unit individually.

When you're done with school you'll be looking for a job, and you probably don't want to be stuck in your college town.

The macroeconomics in Columbus is booming because of the growing population and strong job market brought by a lot of companies moving and building out here like Intel, Amazon, Google, Meta, etc. 

Billy and Cliff - I have a few business lines of credit in an LLC, but they were built over time.

However, generally there is about a month or two lag with DSCR Loans between what is being quoted today and what is funding today due to deal cycle, and while there has been a ton of volatility recently, newer quoted rates are dropping and I'd expect our average to be a bit lower by the time July is through and for August - probably in the low sevens range

Repeat this strategy every couple years.If you really don't want to buy a primary residence and instead you want to buy an investment property then I would recommend a new build in Casa Grande for under $300k, this will require a 25% down payment and buying the rate down a little to break even on cash flow, but will be a very easy first rental property as it will be brand new and will not require any cap ex for many years and by the time it does require cap ex you will have raised the rent and gained enough equity to do a cash out refinance.

The first time homebuyers get priced out of the market because the all cash buyers moving in from out of state gobble the properties up.

You don't want to waste time contacting the owner if they're not in foreclosure anymore.

First time buying an investment property.