<prompt> Human: Hi all, I am seeking advice on my current situation. Heres a snapshot of my current personal financial situation:Debts:Auto Loan : 8,592.22 Monthly Payment: 266.63Student Loans:1 - Stafford unsubsidized Balance: 4,089.42 int rate 6.5502 - Stafford unsubsidized Balance: 2,947.41 int rate 6.5503 - Direct Loan subsidized Balance: 2,531.47 int rate 4.2504 - Direct Loan unsubsidized Balance: 5,810.42 int rate 6.5505 - Direct Loan subsidized Balance: 5,585.39 int rate 3.1506 - Direct Loan unsubsidized Balance: 2,702.82 int rate 6.5507 - Direct Loan subsidized Balance: 5,652.40 int rate 3.1508 - Direct Loan unsubsidized Balance: 2,528.15 int rate 6.5509 - Sallie Mae Smart option Student Loan Balance: 26,991.21 int rate 3.50010 - Sallie Mae Smart option Student Loan Balance: 18,355.61 int rate 3.50011 - Sallie Mae Smart option Student Loan Balance: 18,363.10 int rate 3.500Ok, now I feel a little sick to my stomach. Anyways, my SO and I are expecting in October. I am 27, and consider myself a real estate investor, and I have about 18K in the bank about 6,500 in Stocks, and the rest liquid. I have about 2,500 in my Roth IRA which I contribute 100 monthly to. I have a 6 unit property that I owner financed low money down, then sold, which is scheduled to close at the end of this month. I will make about 29,000 after this deal goes through God Willing. This puts me at about 47,000 in the bank not counting the IRA. Additionally, I have some more commissions coming in for a 4k from being a real estate agent, but no use counting my chicks before they hatch. I am just starting to put effort in on the real estate agent side of things, and I am starting to get opportunities and more money.My monthly living expenses are around 2,300mo. and I make around that for my monthly 9-5 W2 wage income. In essence, my 9-5 pays my monthly expenses, and the Real Estate Agentinvestor stuff is all gravy.What I want to accomplish:I want to buy an four unit with FHA financing, but getting my financing seems to be difficult with all the student debt. The parameters that my loan officer has set for me describe a property is nearly impossible to find in my market. Right now I have a 5 unit building that my business partner and I are close to completing, it should cash flow around 2Kmo. 25 of which I will pocket. This is not included in my monthly 9-5 income above.To throw another wrench in the works, my student loans are through a Canadian University, which current student loan debt consolidation services seem to not want to work with. Any tips on this? In essence I need to plan for the baby, and get a grip on these student loans. I am wondering what the best use of my money would be considering this. Do I continue to look for RE deals? Should I pay off my student loan debt? Both? Any advice is welcome. For the record my degree is in Political SciencePhilosophy LOL. I dont regret it for a second, an awesome experience and I genuinely think I use my degree in my work on a regular basis even though my career is not directly oriented towards my degree critical thinking, analysis, understanding power structures, etc..Thanks guys I have seen this sub help a lot of people!! Looking for a debt reliefincome generating plan! Questions and comments welcomed!  <response>: Landlord here.One major question: what is your lean budget calculation based on buying another rehabrental and then not having any tenants or ability to sell it? Can you afford to carry a loan on a burdened property in the event the the real estate market cools or crashes?How fast would your savings to got 0 in that event? 