I've been working with a buyer's agent for many years with several transactions, mostly not investment related.

The approach they use is from the old days - brow beat you into signing on, VERY HIGH PRESSURE SALES MEN, telling folks they are getting a 50% off the scholarship from $20K price tag, only available during the call.

I am 28 years old and I’ve been inspired to invest in real estate to create generational wealth for my family.

To be clear, I'm thinking I would do the above for several years while building my portfolio and learning, and then solely focus on my portfolio once I'm established and am generating enough income to live off of.

@Hansel GunawanColumbus has seen rapid economic development in recent years.

I am a 30 year old post grad with 20k saved up looking to either house hack in the 300k range or possibly use the 20k as down payment into a single family home for rental.

With strong credit and at least a 1.00+ DSCR, you could have some very workable terms on a 30-year fixed.

I've only pointed out the early termination clause on a 4 month old tenant.  

I owned bed and breakfasts for 24 years and house hacked them living among the guests.

But I think you answered my questionHaving been in real estate for almost 30 years.