(Equity, not debt...lest you continue to jack up your tax liability).

here are some details below regarding how your student loan may impact the debt to income ratio along with how much cash out is needed to do a buy out.If the credit report does not provide a monthly payment for the student loan, or if the credit report shows $0 as the monthly payment, the lender must determine the qualifying monthly payment using one of the options below.If the borrower is on an income-driven payment plan, the lender may obtain studentloan documentation to verify the actual monthly payment is $0.

-Free yourself from any debt you may have.

Turn the case over to a collection agency for a fee which will get a ding on their credit at least or file a writ of execution and then the sheriff gets involved   Google debt collection.  

Who wants to be in debt 30 yrs. 

House hacking has allowed us to largely eliminate our biggest expense, build equity, get CA appreciation, and turn our primary residence into an asset vs a liability.

I am officially out of all debt and beginning to save to start buying multi family real estate for rentals and I am trying to decide where to begin.

Consider waiting a little longer and improve that credit score, smash some debt, and aim for the conventional loan.

My wife makes enough to cover all our bills, and we currently have zero debt, good credit, and about $10,000 in savings.

To create a fund you will need up-front legal work, which won't be cheap.If the property income supports, it is fairly easy to get bridge loan debt.