I am also taking online classes paying thousands of dollars every semester on a degree i can care less about which is really not gonna change my salary it will probably drop it if i decide to use it.

However, my concern is that if I purchase all four as separate entities (which I think is the smartest way to go so I can sell later with no problems), the closing costs of each individual purchase (total of four) is going to be crazy.

I think debt preferences are completely up to each individual person.

My online bank now pays 1.5% which isn’t great for an investment but is good for savings accounts.

Many REO's have an online system to submit offers that go directly to the asset manager making the decision, and the REO agent, is acting as more of a property manager.

Instead of giving whole house to single family, I am thinking to give each room to individual on rent.

Also, find out if your city has code violations and eviction data online or otherwise available.

Aside from Biggerpockets (which is a great online resource no doubts there!)

We track the foreclosure in the county's online court records system.

I look at my monthly statements from my property manager and realize how truly little they make per month off an individual property I wouldn't even drive by for that amount hence the scale needed.