Have you done DCR to make sure the amount you refi into will still produce good ratios for banks to feel comfortable in doing this deal?

@Rafael Campos if you have tried both which produced the best results?

Not sure what your market looks like but mine looks to be slowing and I wouldn't want to leap into a no job situation in a slowing economy/market and not have a track record and already have income producing assets or have proven you can make a living on flips or commissions.

Lots of fraud with people trying to buy property with little or no down payment producing falsified documents showing they made a down payment years ago when the bough on contract for deed.  

The reports they produce will help you understand the ROI. 

An appraisers median income is however higher than an agents at about $55k.So on average, an appraiser will make more money than an agent, but top producing agents likely make a good deal more.

Net cash would be ~$12,000 producing a cash on cash return of 41%.

I 100% agree with @Chace Fraser   Get rid of the consumer debt then look at income-producing assets as a way to cover expenses (some of those expenses might be loan payments on your student loans.)

All else being equal, the this announcement and eventual influx of well-paid, educated tech employees will produce upward pressure on rents and property values, both residential and commercial.However, there are several things to note.

I'm a music artist and producer.