Both were able to leave W2 jobs at ages 37 and 40.

First off, congratulations on saving such a significant amount at a young age!

I would say you are off to a good start just by showing interest and enthusiasm for the investment business.o Age: many private lenders require someone to be 21+ years of age.

This has allowed me to keep moving my retirement account towards full vesting age as I’m not quite there yet.

If you were my age again in this situation what would you do or do differently than stated above?

I am a middle aged woman looking to get into real estate.

The answer is clearly yes, not to be fair the 2010’s were probably a golden age for re investing, this is an especially tough period, so that gap feels huge, some of this is just a result of the pandemic and subsequent inflation, some of this is by design, the Fed wants to restrict investing and for you to put money into tresuries and cd’s not real estate & stocks.

In an age where amazon and yelp reviews can make or break a business, reviews are really important. 

A lot of the time it depends on the actual credit score, the age of your credit, or the inquiries/events shown on your credit report. 

Since you are just starting out at a young age (which is great), I would recommend a house-hack.