Join the military for two years. Army has shortest enlistment. Don’t get killed. Report any ptsd or headaches/backaches whatever, get 10% or more disability. Then get out get a VA loan, which have better rates overall since the default is low for veterans, no money down and never pay pmi, with disability (exempt) pay no VA funding fee. Use your gi bill, army college fund, tuition waiver, financial aid and get paid to go to college while you pay off your VA loan financed 4 flat and collect money from your three other tenants as you attend school. Graduate, have a great life!