I'm starting out my investing in downtown Cincinnati, Ohio because I've lived here for three years and I think I understand the market and its drivers, and prices continue to appreciate.I see real estate investing as a way to build a base of passive income to make sure I can take care of my family if their health or the economy fall on hard times. 

This is important to determine the health of the business versus a percentage of the rent they pay you.As an example a business doing 1,000,000 in sales you generally do not want to see more than 10% going to rent or 100,000.4.

My husband is very allergic to cats and I worry that since he'll be doing a lot of the maintenance that this will negatively impact his health (I should also mention we would be house hacking a MFH in metro Denver).  

During the day, I'm an attorney, and my firm almost exclusively works for health care clients.

The second property is owned by an older gentleman who is spending more and more time in another state taking care of his mother who is in bad health. 

My background is from insurance agent to health care and now working in health care as a physician assistant.  

in some small towns, the local town hall often houses the board of assessors, bldg dept, dept of health and tax collector.  

So, if ANY of the members of BP ever have any questions regarding health / dieting / exercise / training / nutrition, please feel free to reach out.

I was also lucky that I was and am in good health, if you retire early like I did, you'll have a chunk and a half for health insurance premiums as you get older! 

I would call that middle class at least, and that's assuming 0% interest on that initial $3.5M.So, you're ***-u-me-ing perfect health, no injuries / accidents, no natural catastrophes (hurricanes / cyclones, wild fires, volcanic eruptions, ... at least two of which are common in HI), vehicles which last forever and never need to be replaced, destruction-proof housing and furnishings, ...... and if you CAN live that lifestyle in HI on $100K / yr (most people can't in ANY state), why are you not teaching personal finance at the university level?