One of my buy box requirements is the house needs to cashflow at least $500 per month or I am not buying it. 

But, today, most judges are requiring a GAL anyway.

While I certainly think that reducing retirement account contributions and investing in real estate could be a great option for an early retirement, it requires honest conversations and detailed projections around your current portfolio's performance and expected rate of return on future acquisitions.

You are required to disclose knob and tube wiring to insurance companies. 

There's also plenty of lenders who falsely represent the true capital requirements to originate their loans or are merely up front fee collectors. 

Long story short, any owner-occupied property loan will require the borrower to show income that the lender can determine to be stable and predictable in their good-faith effort to confirm the ability to repay. 

It is more expensive but may not require an appraisal and can close in a couple of weeks. if I can wait then I use the most competitive rehab. lender after obtaining multiple quotes. 

For example: the multifamily sponsors will usually pay the considerable extra cost required to do a cost segregation analysis and this will increase the investor depreciation in the early years (versus an individual, direct investor who often will skip doing this because of the cost).The advantage of the passive investment is that you don't do any work.

No personal income or tax returns are required.

.👀 Risk ManagementBoth investments require risk management:Stocks: Company performance, market conditions, economic factorsReal estate: Property maintenance, tenant quality, local market changesBut guess what?