If you're using a Realtor for a simple transaction, the Realtor with form contracts might be sufficient. 

Please click on the links, give them a read, and share your thoughts in the comments.First is a post that I feel will help not get overwhelmed with the amount of info that is here on BP:https://www.biggerpockets.com/blogs/5868/52761-the-simple-guide-to-getting-started-on-bp The second is a post that will help get you focused with your real estate investing goals:https://www.biggerpockets.com/blogs/5868/52743-im-new-to-bp-any-advice-would-be-appriciatedThe last one is a post that will help you choose an “investor friendly” real estate agent.

@Jonathan Depa I'm not sure that short term properties are dealt with any different than long term tradition rental properties, but in 2009 Fannie Mae increased the number of properties that a bank or financial institution can finance to 10. 

Sec 8 is notorious in NYC for denying regular rent increases.

In 2018 they pulled around 100 new construction permits with The Waire Group as the builder for very simple 3/2 slab on grade homes built on lots they purchased through tax auction.

Investors use NOI to calculate cap rates and the potential for a property to increase in value. 

Having student loans should increase your credit, not hurt it, assuming you actually paid them when you were supposed to.One of the easiest ways to boost your credit (beyond beginning to pay what you owe), is to go and pull your free credit report (I believe it is https://www.annualcreditreport.com/).

Please click on the links, give them a read, and share your thoughts in the comments.First is a post that I feel will help not get overwhelmed with the amount of info that is here on BP:https://www.biggerpockets.com/blogs/5868/52761-the-simple-guide-to-getting-started-on-bpThe second is a post that will help get you focused with your real estate investing goals:https://www.biggerpockets.com/blogs/5868/52743-im-new-to-bp-any-advice-would-be-appriciatedThe last one is a post that will help you choose an “investor friendly” real estate agent.

increase your limits every few months, this has the added benefit to reduce your utilization.  

You can do some simple math and figure out if paying double interest will be worth locking the lower rate or not.