On top of that, our STR management company now oversees more than 90 listings under the Cozy Co-Host banner.My wife and I have transitioned from the typical 9-to-5 grind to achieving financial freedom as business owners and real estate investors.

It's because typically people say they want financial freedom but are looking for an easy button where they do minimal work and all this success happens in their life.

On top of that, our STR management company now oversees more than 90 listings under the Cozy Co-Host banner.My wife and I have transitioned from the typical 9-to-5 grind to achieving financial freedom as business owners and real estate investors.

Financially my full-time job is our main income as a family.Job is demanding.

You do lead me to a point of maybe I should investigate their financial stability a bit more.The guy with the 4 plex I talked to WAS thinking about taking the $120k.

To align with community property laws and avoid legal or financial complications, consider forming a jointly owned LLC with your wife as a member.

If your priority is building wealth sustainably and positioning yourself for long-term financial independence, I’d strongly recommend considering properties like duplexes, triplexes, or even quadplexes.

Seems like you're in a great financial position. 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

In this case the current financials on the property aren't great(rents well below market value and the owners family living in several of the suites) so the lenders will likely not provide the funding based on poor NOI.