Also getting your brokers license is a good way to supplement your wholesaling income.

You want to stay with the market, no reason to charge less, it will have no effect on whether tenants stay or go, tenants are prepared to pay market rent, charging below market is only costing you money to supplement your tenants rent....charity.

In either scenario you are going to need PM at some point so I would focus on clearly defining your short term and long term goals; are you trying to build a portfolio so you can live off the income, purchase a couple properties for supplemental income, scale a large RE business?

I'm going to list off some of the lowest hanging fruit from that perspective below:Attic/ceiling space often can be helped immensely by blowing in additional cellulose insulationWindows and all wall terminations should be examined and caulked/filled with expanding foam insulationWalls can often be supplemented with additional insulationRim joists, basement walls Look into selectively upgrading your main appliances (water heater, air conditioning, furnace) with high efficiency unitsOld fridges use a lot of electricity - you might take a look at what you have there and consider upgradingSome utilities have programs to offer rebates/incentives for upgrading much of the above so I'd look into that if I were you!

You have reserves put aside which is excellent, the VA is no money down, and the income produced by the other 3 units will give you supplemental income while you establish yourself. 

My condos have doubled in appraised value, and in addition they now net a combined 41K per year which is, for me, precious supplemental income.

I'm only looking at real estate investing as a way to supplement my retirement in 10 years as apposed to putting more money into a 401K.  

This is my first BP post, however I’ve been devouring podcasts at 2x speed as I work on renovations.My/our goal is to develop a supplemental income from rental properties.

You NEED money to do this folks, as a profession obviously, as a supplemental income / retirement plan definitely, and as a casual hobby I would still say probably.   

I'm looking for buy/hold property for rental income to supplement retirement income.