It's no guarantee but it's a good place to start.

You would have more fun performing your own open heart surgery than you would dealing with Caliber. 

We have never done section 8 rentals, so I have no experience to comment on here.- Where are the areas with the tightest inventory?

@Neil WarrenTypically no - lenders don’t lend on down payments.

I also received no scholarship or financial aid, and would be paying the full tuition each year. 

Most residences are single-family homes under 1500 sqft, with generous lot sizes ranging from 7,000 sqft to 0.5 acres for some properties.Interestingly, despite ample space, vacant lots in this area remain undeveloped with no additional units added.

So no influencers or shills?

If the other houses you own have no loans could you stack all their combined monthly rental income to pay off the remaining $120k mortgage before you retire? 

No structural.  

There's no need to go looking for something complicated.