Generally tax free income to boot, if you play the game right. 

Tersely if a buyer is weak enough to not be able to get a bank loan to buy, needs seller financing, there's other issues in play the seller / lender needs to protect themselves. 

Instead of gambling that your properties will not be destroyed, it is better not to play the game by buying in safer locations.

I fear she's going to play the "I'm disabled, you can't get rid of me" card. 

Sure, I'll play..."The

Just because I don't play by the rules of status etiquette doesn't mean I can't play the game.

I'd like to learn more about the art of refinancing, what vehicles are better and how to play the game.

Reasonably at 22 if you play things right you could own 10 properties by the time you're 33/34.

All you can do is invest prudently and play the hand your dealt.  

It sounds like your market is hot, sometimes that is going to take a lot more time and patience to get what you want, but I'm sure if you play the game right and do not hastily jump into anything that you'll regret later, you'll be finding some nice properties.