<prompt> Human: Hi peeps,I dropped out of school a few years ago because I was lacking direction and needed to do something different. Since then I started a forestry company, made 50k last year, and about 110k by the current years end. Its seasonal work, and I cant count on having more than one more season. Im ready to get back on the education band-wagon for the long haul. I would really like to become an MD. I have five semesters more to finish a bs in physiology, but if work continues it could take up to five years. Med school will be an additional 4 years minimum. I plan on doing that full time wo a job. One difficulty I will have is returning to my college town after possibly taking a semester off every year for as long as the work continues. Its pretty much exclusively a college town, so everywhere requires a year lease in order to get tenants to pay rent during the summer. I also have a dog, so there is that too.I found a fourplex for 275k. 215 mtg 4.125 30yr with 60 down, 5k in closing costs, and a 15k emergency fund, after regular monthly expenses Mtg, ins, tax, watertrash I should be pulling 773mo a place to live 400mo imputed rent.This sounds like a great deal at first glance, but after browsing bigger pockets, learning about their 5050 rule, and also applying the 4 rule, from a real estate investors standpoint, this isnt the perfect deal that I think it is. Fiddling with mortgage calculators and extra payments, with some aggressive, but realistic saving, I could pay this baby off in five years -in time for med school. The income wo a mortgage would be a huge chunk of that cost. I would still need some loans every year, but the income from my fourplex would more than pay it off within a few years of graduation. This is a best case scenario. Middle-way scenario is a bunch of repair and upkeep costs with no continuing forestry work, property value stays the same, Here I would not be able to pay the property off, but would have gained 24,700 in principle over six years resulting in a 6 return on my investment, less if you consider the costs of a real estate agent selling the property But hey, at least I got a free place to live and some experience, right? We can keep imagining worse scenarios, but I am confident that none of them will ruin me, just slow me down. I am not nervous about the aspect of being a landlord, manager, or repair dude. I grew up in a household where this was common work, and Im equipped with the skills to handle it. This is an aspect of life Im looking forward to.As for other personal finance related information, Im 24, no debt, 5500 roth ira, have 20k in a college saving account and tuitionbooks is less than 2500semester. My bills are 45mo straight talk phone plan, 38mo car insurance. I spend less than 350mo on an all organic veg diet. Gas varies for my truck, but its an important work vehicle and would be increasingly useful for the fourplex. I tend to bike, longboard, or walk for in-town errands. Mortgage 1042Ins 126.8333333taxes 108.1666667?Watertrash?150Total 1427moIncomeunit1 650 2 6503 6504 250400 imputed rentTotal:2600moNet 1173moI got my approval for the bank loan today.Thanks for the help!Sincerely, -Anotherbad  <response>: Dont forget the repair costs, capital costs, vacancy costs, etc. There are costs for being a landlord beyond just the mortgage, taxes, and insurance. That doesnt mean its a bad idea I think its actually a good idea, since youll live rent free! If you go this route, dont skimp on umbrella insurance. 