Im still at the point where I am trying to accumulate as much debt as I can, but in a few years I believe I will have enough debt and will shift strategy.

We work full time jobs (shift work).

The 4pm to midnight shift would be the better one to quit in terms of meeting most clients' time availability.I have to admit that I'm a bit disturbed about the phrase "trying my luck selling some homes".  

I am a Registered Nurse and I work 3-12 hour shifts/week.

If you are personally flipping 5 hours a year and also doing 1 per year for several years in your retirement plan, the IRS could claim you are just trying to shift some of your normal business into the tax shelter of the retirement plan.UBIT and your California Franchise Tax return should not intersect an any meaningful way.  

Of course that's assuming you did your home work before the purchase.The supply demand balance shifts In a down cycle.

I also see a shift among the institutional buyers right now that entered the market building massive rental portfolios now beginning to liquidate some of their assets.  

Books are a great way to get a shift of mindset.

When interest in real estate investing (BP) peaks it is sign that the national market is shifting.

Let's shift gears and assume you are looking for 100% financing for your next investment property.