Buy and Hold or Index?

[Account Closed]

Hello,

My goal is to have the ability to retire at the age of 50 or 60 (30 now). My plan to achieve this is to buy and hold at least one SF homes a year in desirable areas with lower cash flow but higher value in my local market (high cash flow is not realistic without all cash financing which at that point a flip would make more sense). I will then pay down the principal with the cash flow from all the units to the one note with the highest rate and/or lowest principal. I currently have one rental home with about $150 a month cash flow (negative once you apply maintenance and management). I have business notes and commercial real estate that provides about $1500 a month. If I put all this money into the first rental home, It will be paid off in 6 years. Each year the cash flow increases incremental due to additional rental acquisitions. The next rental will be paid off in 3 years and so on. This plan will give me significant cash flow by my early retirement age and a whole lot of equity to make bigger moves. During this time I will still have a company matching 401k and a Roth IRA and I make enough with my W2 to handle major and minor expenses. But with this plan I cannot help but wonder if all this could be done by simply saving all the cash flow in an index fund for 30 years and cross my finger the economy is not in a down turn at retirement age. I do not have enough time to fix and flip is not an option for me right now. Actively seeking a financial adviser for guidance but interested in what you fine experienced folks had to say. Thank you for your time.