However with the life expectancy well into 80’s for most people you will need resources to sustain you after 60. 

Quote from @Tom S.: Coming across this post and reading it just now, I would ask the same question: in early 2022 I got a fixed 15 year mortgage at 3.1%. 

Learn as much as you can about your market and the potential area(s) you may want to buy that duplex in.

I didn't want to use a partner, but it sounds like that"s going to be best bet to get off the ground.Thanks again.

Quote from @Mark S.: @Ned Carey I’m not sure the comment about the title insurance is accurate.

Quote from @Bill S.: @Katrina Schmid so there are a number of resources. 

So do your research, but also consider passive investing Visa V syndications or even equity reits, Which have historically outperformed the S and P 500 over 20, 30, fifty years and even outperformed direct, active ownership of real estate by 4 to 6 per cent.

In addition to a YTD paystub, we ask for last years W-2(s).

I'm honestly surprised, right now our only debt payment is a 857 mortgage, no car payment no student loans no credit card debt, and good credit 740's. she doesn't make just a lot (41k a year) but with the 857 mortage payment, her debt to income shouldn't be much over 25%.

What if you pass away and your estate is left with this property(s) to deal with?