So, I consider credit a little more pragmatically.

The way I'm looking at it, if my spouse and I only do employer matching for the 10 years we would have more than enough in there and still 10 years out from being able to access it.I do plan on doing 401k loans for deals if the numbers check out, and I've considered rolling over some of our 401ks into roth IRAs to access our contributions but we'd have to pay taxes out of pocket (a big hit to cash flow) and we couldn't touch it for 5 years.  

but mostly considering Ohio or Indiana at this point.

Consider a different investment location if you can't find an experienced team with all the necessary resources.To build a local investment team, start by finding an experienced investment realtor.

If neither wants to sell you may consider putting everything into a jointly owned LLC with governing documents spelling all of this out. 

Have you considered purchasing a property that has an assumable loan?

I have heard that, historically, midwest markets generally are considered cash-flow markets, as opposed to appreciation markets.

Some things you may want to consider is how active you are looking to be in your investing.

I’m considering two options to present my plans: 1.

In addition, I am considering changing my furnaces/boilers to have plug-in cords instead of being hard wired so that if there is a power outage in winter that I could power that heating system with a portable power station.