Yes, about 82% of properties are matched to a person in DealMachine - you get their phone, email, age, birthday, income level, renting OR owning.

The loan to value that you can go up to will mainly be determined by your age.

To give you something as a reference based on your budget (30-40% down with $1.8M), the general cap rates you will see in the Bay Area are roughly 3-5% https://www.loopnet.com/Listing/1047-Rich-Ave-Mountain-View-...https://www.loopnet.com/Listing/1180-Saranap-Ave-Walnut-Cree...You will find higher cap rates and more 20+ units buildings in SF, Oakland, and Richmond, but keep in mind of their stringent tenant laws. 

You'll get a feel for the age of the neighborhoods, the vitality of the commercial buildings, the ease of location, the closeness to jobs.The markets you're describing are more linear, and usually have lower capital appreciation.

Not to mention, the right system will enable your tenants to pay rent online, have a tenant portal, and all the other features that both tenants and owners need this day and age. 

Utter blasphemy, only "unsophisticated" investors buy in cash.An experienced investor once told me "why use my cash, when I could just default on OPM" I know its not popular thought on BP.. and of course ramp up requires it unless you inherit a ton of dough but as we age out I sure like free and clear and no debt.. just the hassle factor of having to make payments :)

Nice size to startwith, but not large.His particularsituation is he can retire in 12 months with significant pensionpayments and 401k funds, at the age of 56.

Quote from @Chaliyah Penick: I have a relative that is up in age and no longer able to afford the mortgage and are falling behind. 

I need to defer or lower our income as much as possible for my age 64.At age 64 a cost seg makes strategic sense, take the deduction now and not over 27.5 years, or 39 if commercial.

I'm a guy approaching middle-age, living in Chicago.