My goal is to rent it out and then in 3-4 years allow my mother-in-law to move in as she is wanting to retire in the area.

They declined my application after a week of review, citing that "Non-retirement accounts cannot hold retirement funds".Can you please let me know your suggestion here?

Rental 1 - Cash flow Breakeven - rate 3.875% - 20-25% equity (not looking to refi)Rental 2 - Looses about a few hundred a month - rate 9% looking to refinance soon to 6.9% but debating on waiting until rates drop further - 5-8% equityPrimary - currently at 7.25% waiting to refi to 5.5-6% - about 5-10% EquityMy current net worth breakdown is approximately...Real estate 39%Cash reserves 7.5%Brokerage 30%Retirement 17.5%Other 6%

Maybe they just wanted to retire even though they were making good money?

I've been retired for years now as a full time LP.

I opened Fidelity's non-prototype retirement account and funded it.

Ill be looking out for advice and posts to learn about other affordable areas with stable returns.   

Semper FiCongrats on your retirement!

I come from the Financial Independence Retire Early (FIRE) community and have already reached my financial goals.

it was a retired TWA pilot I used to golf with in Napa that called me that.