(L.T.V is slightly lower for foreign nationals) Unless the buyer has some sort of foot print already established in the USA.Being non US citizen doesn't preclude anyone from getting capital, although banks may enforce more stringent eligibility requirements.

I did not start similarly to you but I think fundamentally if you find a good deal and have done your networking properly, multiple doors will open for you.

I can say that I feel pretty comfortable and have a solid understanding of the fundamentals.

However according to the US Census Bureau in the City of Mishawaka, the owner to tenant ratio is approximately 50/50 here http://www.census.gov/quickfacts/table/PST045215/1...To also break down the numbers in one line, from the Census Bureau link, the City of Mishawaka has a population of 48,261, a total of 24,088 housing units (as of the year 2010) of which roughly 12,044 are rentals with a median gross rent of $714.00.So in summary, in my opinion, this is a strong rental area with stable economic fundamentals to sustain the tenant pool.

I don't know if/how doing multiple refinances in a short period of time will impact your loan eligibility. 

Sorry for the fundamental questions, just getting started.

Commercial loans tend to be 20-25 year term loans with a 5 year balloon (meaning your rate/payment structure must be redone every 5 years).Looking at the Fannie Mae eligibility matrix, you should be able to go as low as 15% for a single family investment property and as low as 25% for a multifamily.  

If you are eligible for the Solo 401k, it will allow you to make investments directly with the plan (optionally using non-recourse financing) OR you could borrow funds for an investment you would like to make personally.

There's no reason you shouldn't be able to retire by age 40 as long as you make some fundamental early decisions that will set you on the right path.

@Waylon GatesThe Solo 401k is the likely the best retirement account an individual can have, if eligible.