Congratulations on your degree, hopefully it will help you with your real estate ventures.I'm also new, but I have found that doing research on demographic shifts, population statistics, and employment growth have given me more of a sturdy foundation that drives my confidence.

I have a degree in International Relations and I am about to finish a degree in Law.

I went to college, not that it is mandatory, and I got a business degree that emphasized real estate.  

I also went to college, not that it is mandatory, I got a business degree that emphasized real estate.  

The units are all in better shape to some degree, but certainly no full rehabs.

We moved to Jacksonville one year ago to start my new job as a civil engineer and for her to finish her Masters degree in accounting.  

If your job throws off 300k, 500k etc. a year then you can snowball much faster.Once you hit so many properties lenders will look at track record and your global cash flow so having a J-O-B becomes less of an issue as liquidity and net worth is built up.

Currently attending college for a degree in Finance.

However, since most buyers are using leverage to some degree or another (I know you are an exception, which is likely the reason for you confusion), the amount of their out-of-pocket savings is limited to only the % of the reduction that they no longer have to put down.

I use to even hang a sign under my Masters Degree in my office "the smartest kid in the dumb class" until my Mom pulled it off.I learned how to work around my dyslexia and in many respects it has become an asset.