However, the guy says he has a score of 642 due to student loans.

I am just like you having a hard time organizing my day as I am a single mom and a full time student as well.

I should also specify that id be renting out the house by rooms for students.

I run all hvac work for an Ivy League college and my wife is a physician.We make a little over 400k annually.My wife will be paying off her student loans shortly which will free up over 4K a month, which frees up a decent amount of money for investing.My question... with the ability to come up with a decent down payment quickly what kind of property should I look for to start off?

Fort Bliss, one of the largest Army bases in the country.Sizable Student MarketThe University of Texas at El Paso is one of largest colleges in the state, there are over twenty thousand students at UTEPHigh Demand for Affordable RentalsThe median household income for the US is roughly $55,000.

If you see any signs or advertisements for real estate investors looking for students, that's a solid lead. 

Like many in my profession, investing and finance were not specifically addressed in my career path.  

Rent is expected to increase $200 a month per unit after some basic upgrades.I have about $12,000 in student loans over a 10 year loan. 

I think you are referring to student housing adjacent to A&M.

I don't believe I can get loans because I have outstanding student loans that are currently in forbearance as well as debt that isn't mine but is in my name which is throwing off my debt to income ratio (thanks mom lol)3.