@Samuel Kim Your wife can meet the 750-hour test for Real Estate Professional Status (REPS) by actively managing your 9 rental properties, but careful planning and documentation are essential, especially with low-maintenance new construction.

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

I don't see it as an issue but many still do, at least in my small town where the majority of renters are elderly people looking for low maintenance housing options.

I do my own property management to keep my expenses low. 

If you're just starting, focus on free or low-cost resources to build your foundation, and consider mentorship later if you need personalized guidance or want to accelerate your progress.Good luck!

I require a high credit score 680+ and two prior landlord references.

The value of your SDIRA may be too low, but I'd recommend Gary Mobbs at South Star Bank in Gonzales, TX.

Low Risk: TDAs are insulated from market volatility, offering peace of mind.4.

All original tenants were long term low rent tenants.

Any local bank that does this kind of financing should be able to approve you as long as you have a good enough credit score and never declared BK.