I have gotten a seller's credit for my 3 existing units but to be conservative, I will assume I am paying full closing costs here.At the moment, I have ~$25k in a HYSA and expect to save another $10k from my W-2 before I start putting offers in.

If you learn how to use Hard Money loans properly and how to find good deals in need of rehab, there are plenty of areas of the country where you could buy 3-4 rent properties in solid middle class areas with good cashflow.

@Jimmy Lieu, thank you for the offer.

Lexington is calmer than Columbia but still has plenty to do and great food and activities and its not a far from Columbia.

There's also plenty of lenders who falsely represent the true capital requirements to originate their loans or are merely up front fee collectors. 

If there is plenty of equity in the deal, a 2nd position is reasonable.

$100,000 is the default, and it's plenty.

Skip the pricey coaches for now, there are plenty of free resources like here on BiggerPockets and YouTube.

Plenty of things in kitchen so people don't need to wonder if they can make XYZ in there.Once you get it all setup, it should go pretty smooth.

I think the 10-14% rate is where it will be for the next five or so years personally so plenty of opportunity