In a haste to scale up quickly often times people will try to force deals that arent there. 

Not a lot of our competitors offer this but it's something we can consider (but for us, it can't be in a rural area, the loan amount must exceed $150k, if we're using PadSplit income (or STR/MTR income) the max LTV is 75% and the down payment must come from your own funds). 

A landlord looks a t how much the property will make long term.A flipper looks at how much in a short term .

Similarly, if you put several Class D tenants in a Class A 4-plex, what do you think will happen to the property?

It’s above average condition in a good location.

No, they are not 100% passive, but NOTHING you do in a REIT, stocks, Bitcoin, or MLM can come close to comparing. 

A good freind of mine set up an STR in a similarly lenient area and found that they could focus much more on guest experience rather than the administrative hassle.

So, if these are all in A neighborhoods, I would think you could get much closer to the "1% rule" on rent than where you're at now.

You may have to put more money down (10-15%), but you can close, in a LLC, with no worries about banks.

I envision this portfolio supporting me during my retirement years—though I still plan to work, just in a different capacity than I do today.I recently finished reading "How to Invest in Real Estate: The Ultimate Beginner's Guide" by Josh Dorkin and Brandon Turner, which has been incredibly helpful.