You can also leverage stable income for creative financing and explore BRRRR in markets like Rochester to build equity and cash flow.

I have approx $10m in retirement accounts.

Think about it, if you are buying something at a 5% cap rate, but interest rates are 6%, the debt payment exceeds the income.

If you need income from investing than you do need to focus on the cash flow viability, but as you said, both is best.

Income tax refunds!

Quote from @Fadil Khan: Interested in learning about investing in property for rental income, commercial property vs rental properties (section 8, traditional etc)1.

When investing in real estate, having multiple exit strategies is key.For a single investment property, make sure the numbers work for both scenarios: 1️) If you decide to sell the home, the deal should produce a solid return. 2️) If you need to rent it out, the rental income should cover expenses and provide a profit.Flexibility is what saves you when things don’t turn out as planned.

-repeat the process every year by acquiring one house every year with the appropriate income qualification

Open to being a full-time agent for sure, but imagining that could take some time to replace my current income.

While I don’t suggest that the smaller type investor purchase and utilize “exotic” vehicles like foreign asset protection trusts, family limited partnerships with outside controls, or Byzantine or convoluted maze of ownership entities, the more simple strategies of using Series LLCs, self directed retirement plans, and paying off their home mortgage to the extent of the Federal BK homestead exemptions can insure that a plaintiff attorney never even considers going after them.