I currently attend Wayne State University, and I am in the Engineering Program.

Census, JCHS Household Growth Projections, Goldman Sachs)Job Growth - Trending positive - GA more businesses consider expanding moving here (Porsche, Mercedes Benz, Statefarm, Baxter, FirstData, NCR etc.)Lower VacancyWeakness:Prospects for rent increase will be slowerOpportunities:Affordable housing program for low income groups. 

I happen to think lease Options done right- full disclosure, tenant buyer in a credit repair program etc- serve a purpose and have value.

I live in a home which a state program helped to get me into.

The lender will still add the last previous years together and dived by two and take the middle income.My advice to you si that you should find a top lender in your area, one that is been in business at least 12 years, meaning that he was in the business when the "creative" way of lending was done and can run numbers on his calculator, not input numbers in a computer software program and see what the automatic underwriting tells him. 

The Program I work with is structured a bit differently from the standard market, so another agent may want to weigh in, but in general there will be a need for more liability coverage in the least as you have a higher risk on that end with more people coming and going from the dwelling.  

I graduated from undergrad in May 2014 and am currently working on my graduate program (I will graduate in December of 2015).  

Most of the graduate programs run around 25-30k per year.

Do you have any real life experiences or programs that helped you build credit quickly?

Well, there is no such thing as a "a bonafide RE Investor Coach"-- basically there are a lot of good coaches and there are some quacks to will sell you a program and offer little to your success.