So if youre ditching the 50% rule and go with 40% and 32%, are you trying to supplement the loss of cash flow by appreciation?

Is the $415 property tax a supplemental?

She is interested in using real estate for supplemental income.  

Is there some kind of supplemental title insurance policy or another way to protect my investment funds in case of title fraud?

We are estimating and hoping for a appraisal of around $130k after everything is completed when we go to refinance again.Like I said when i started this thread my goal is to get into rental properties to help supplement our income.

She is interested in using real estate for supplemental income.

I left Silicon Valley a couple of years ago and now live in the rainforest of the PNW; my rentals help me supplement my retirement.

Been almost too easy, only one issue when a tenant left, she was there and had about $2500 to get it turned over for new tenants.Now I'm closing in on retirement and looking at picking up a few more units before then to supplement income. 

If you want to use your license as a way to create supplemental passive income then you might want to look more into brokers that offer flexibility and passive income opportunities.

She has since supplemented with online video courses from Tony Mesa (https://www.tonymesarealestateschool.com/) which apparently has been amazing and he happens to be very responsive with any questions that anyone has.