In retirement, real estate will be pretty much your only available tax write for what I anticipate to be significant income when you combine ss plus your 401k and other investment streams etc.I look at my businesses as additional cash flow that help to accelerate my rei and do not count on that cash whatsoever to live.

My second goal is to create an income stream that will surpass my previous employments, which will allow me to stay home with my kids and keep a flexible work schedule.

I would never be concerned about a referral fee because I would never for one instant consider paying it.This is not the 1980's, they are not tapped into some stream of information that the every day joe isn't.

I am sure they could back track receipts, but she would still be worried on flagging Marg's income stream. 

But I'm sure you can cut expenses (cut cable and go to streaming service, cancel gym and invest in a set of free weights/go on more hikes, minimize dining out, stop buying expensive coffees, etc).

Additionally, this property is close to the airport so there is a lot of potential to turn it into an airbnb hub, leading to more cashflow and of course, more management/cleaning time.Long story short, would you take a deal with these parameters:- Asking price $165,000 (pre-MLS price) - Duplex consists of: 1 bedroom main floor and basement unit & 1 bedroom upstairs unit- Total rent: $1600/month (tenants pay utilities)Addendum: I just bought my first property with 11% down (before I found BP), so any suggestions (or links to forum posts/blog posts/podcasts) on creative ways to finance this deal, please let me know.Thanks BP community.

Additionally, I am looking for a lender who will consider income streams under 2 years old. 

Thank you @Todd Dexheimer and @Michael Le@Jeff Greenberg it's a very light value add. most of the heavy lifting had already been done. for this deal it's more about getting a solid, low risk income stream for the investor. in short we'll make cosmetic upgrades to units when they turn in order to keep growing rents 2% to 3% average per year.  

If your plan is to retire in 5-10 years you will need multiple incomes of stream.

The NPV is the Net Present Value of an income stream, discounted to the cost of capital (or required rate of return) and the IRR sets the NPV function = 0 to get a rate of return.